Call reports 2003
TENNESSEE STATE BANK — 2003
What TENNESSEE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 420,403,000 | 428,654,000 | 438,332,000 | 442,468,000 |
| Total loans | 286,071,000 | 289,291,000 | 301,783,000 | 306,956,000 |
| Allowance for loan losses | 3,976,000 | 4,054,000 | 4,103,000 | 4,174,000 |
| Securities available for sale | 96,544,000 | 75,397,000 | 95,064,000 | 94,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,214,000 | 355,588,000 | 357,800,000 | 359,904,000 |
| Interest-bearing deposits | 313,628,000 | 311,741,000 | 313,285,000 | 313,961,000 |
| Noninterest-bearing deposits | 36,586,000 | 43,847,000 | 44,515,000 | 45,943,000 |
| Equity capital | 33,106,000 | 33,735,000 | 33,901,000 | 34,305,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,900,000 | 11,742,000 | 17,369,000 | 23,127,000 |
| Interest expense | 2,071,000 | 3,948,000 | 5,656,000 | 7,260,000 |
| Net interest income | 3,829,000 | 7,794,000 | 11,713,000 | 15,867,000 |
| Noninterest income | 1,100,000 | 2,400,000 | 3,943,000 | 5,371,000 |
| Noninterest expense | 3,233,000 | 6,464,000 | 9,940,000 | 13,619,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 380,000 |
| Pretax income | 1,751,000 | 3,814,000 | 5,709,000 | 7,503,000 |
| Income tax | 91,000 | 286,000 | 425,000 | 631,000 |
| Net income | 1,660,000 | 3,528,000 | 5,284,000 | 6,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,012,000 | 32,700,000 | 33,276,000 | 33,691,000 |
| Total capital | 35,946,000 | 36,614,000 | 37,353,000 | 37,865,000 |
| Risk-weighted assets | 314,642,000 | 313,013,000 | 326,146,000 | 334,279,000 |