Call reports 2003
PATTERSON STATE BANK — 2003
What PATTERSON 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 | 118,551,000 | 123,425,000 | 126,290,000 | 123,859,000 |
| Total loans | 75,448,000 | 80,686,000 | 81,002,000 | 83,394,000 |
| Allowance for loan losses | 1,183,000 | 1,217,000 | 1,234,000 | 1,280,000 |
| Securities available for sale | 25,219,000 | 29,371,000 | 28,697,000 | 29,935,000 |
| Securities held to maturity | 1,255,000 | 1,875,000 | 1,849,000 | 2,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,812,000 | 102,575,000 | 105,403,000 | 103,086,000 |
| Interest-bearing deposits | 81,743,000 | 86,236,000 | 88,681,000 | 87,574,000 |
| Noninterest-bearing deposits | 16,070,000 | 16,339,000 | 16,722,000 | 15,512,000 |
| Equity capital | 7,868,000 | 8,113,000 | 8,276,000 | 8,554,000 |
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 | 1,629,000 | 3,308,000 | 5,024,000 | 6,707,000 |
| Interest expense | 618,000 | 1,221,000 | 1,789,000 | 2,332,000 |
| Net interest income | 1,011,000 | 2,087,000 | 3,235,000 | 4,375,000 |
| Noninterest income | 252,000 | 490,000 | 722,000 | 1,075,000 |
| Noninterest expense | 879,000 | 1,763,000 | 2,666,000 | 3,814,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 309,000 | 664,000 | 1,066,000 | 1,336,000 |
| Income tax | 97,000 | 207,000 | 337,000 | 386,000 |
| Net income | 212,000 | 457,000 | 729,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,692,000 | 7,937,000 | 8,209,000 | 8,429,000 |
| Total capital | 8,572,000 | 8,872,000 | 9,158,000 | 9,385,000 |
| Risk-weighted assets | 70,084,000 | 74,554,000 | 75,457,000 | 75,963,000 |