Call reports 2003
STATE BANK OF AVISTON — 2003
What STATE BANK OF AVISTON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 97,170,000 | 98,273,000 | 99,806,000 |
| Total loans | 66,996,000 | 70,100,000 | 76,528,000 |
| Allowance for loan losses | 1,396,000 | 1,397,000 | 1,433,000 |
| Securities available for sale | 20,702,000 | 17,481,000 | 14,991,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 79,053,000 | 79,746,000 | 81,816,000 |
| Interest-bearing deposits | 73,182,000 | 72,385,000 | 74,904,000 |
| Noninterest-bearing deposits | 5,871,000 | 7,361,000 | 6,912,000 |
| Equity capital | 13,140,000 | 13,196,000 | 13,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 1,401,000 | 2,770,000 | 4,127,000 |
| Interest expense | 565,000 | 1,088,000 | 1,580,000 |
| Net interest income | 836,000 | 1,682,000 | 2,547,000 |
| Noninterest income | 81,000 | 141,000 | 193,000 |
| Noninterest expense | 338,000 | 760,000 | 1,182,000 |
| Provision for loan losses | 142,000 | 178,000 | 214,000 |
| Pretax income | 571,000 | 1,019,000 | 1,472,000 |
| Income tax | 182,000 | 326,000 | 476,000 |
| Net income | 389,000 | 693,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 8,940,000 | 9,119,000 | 9,297,000 |
| Total capital | 9,747,000 | 9,933,000 | 10,157,000 |
| Risk-weighted assets | 63,942,000 | 64,527,000 | 68,299,000 |