Call reports 2003
BANK OF SAINT ELIZABETH — 2003
What BANK OF SAINT ELIZABETH 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 | 45,608,000 | 45,319,000 | 46,476,000 | 46,368,000 |
| Total loans | 31,443,000 | 31,024,000 | 30,977,000 | 32,065,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 450,000 |
| Securities available for sale | 6,879,000 | 6,846,000 | 6,822,000 | 6,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,914,000 | 33,536,000 | 34,584,000 | 34,745,000 |
| Interest-bearing deposits | 29,508,000 | 29,296,000 | 29,894,000 | 30,070,000 |
| Noninterest-bearing deposits | 4,406,000 | 4,240,000 | 4,690,000 | 4,675,000 |
| Equity capital | 6,230,000 | 6,601,000 | 6,730,000 | 6,398,000 |
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 | 688,000 | 1,370,000 | 2,052,000 | 2,747,000 |
| Interest expense | 281,000 | 542,000 | 794,000 | 1,034,000 |
| Net interest income | 407,000 | 828,000 | 1,258,000 | 1,713,000 |
| Noninterest income | 53,000 | 126,000 | 202,000 | 262,000 |
| Noninterest expense | 228,000 | 446,000 | 690,000 | 1,072,000 |
| Provision for loan losses | -3,000 | -8,000 | -7,000 | 19,000 |
| Pretax income | 265,000 | 575,000 | 850,000 | 965,000 |
| Income tax | 92,000 | 19,000 | 29,000 | 38,000 |
| Net income | 173,000 | 556,000 | 821,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,178,000 | 6,561,000 | 6,710,000 | 6,392,000 |
| Total capital | 6,546,000 | 6,917,000 | 7,071,000 | 6,747,000 |
| Risk-weighted assets | 29,393,000 | 28,399,000 | 28,823,000 | 28,281,000 |