Call reports 2003
STEBBINS NATIONAL BANK — 2003
What STEBBINS NATIONAL 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 | 29,167,000 | 28,659,000 | 27,612,000 | 27,738,000 |
| Total loans | 13,686,000 | 13,708,000 | 13,679,000 | 12,915,000 |
| Allowance for loan losses | 335,000 | 328,000 | 327,000 | 287,000 |
| Securities available for sale | 8,031,000 | 8,023,000 | 7,395,000 | 8,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,959,000 | 25,416,000 | 24,448,000 | 24,415,000 |
| Interest-bearing deposits | 21,593,000 | 21,216,000 | 20,549,000 | 20,270,000 |
| Noninterest-bearing deposits | 4,366,000 | 4,200,000 | 3,899,000 | 4,145,000 |
| Equity capital | 3,181,000 | 3,222,000 | 3,144,000 | 3,305,000 |
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 | 324,000 | 679,000 | 978,000 | 1,309,000 |
| Interest expense | 70,000 | 132,000 | 186,000 | 234,000 |
| Net interest income | 254,000 | 547,000 | 792,000 | 1,075,000 |
| Noninterest income | 25,000 | 51,000 | 84,000 | 114,000 |
| Noninterest expense | 269,000 | 520,000 | 809,000 | 1,164,000 |
| Provision for loan losses | 10,000 | 30,000 | 50,000 | 50,000 |
| Pretax income | 0 | 48,000 | 17,000 | -25,000 |
| Income tax | 1,000 | 16,000 | 24,000 | -62,000 |
| Net income | -1,000 | 32,000 | -7,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,118,000 | 3,151,000 | 3,112,000 | 3,289,000 |
| Total capital | 3,320,000 | 3,352,000 | 3,307,000 | 3,473,000 |
| Risk-weighted assets | 15,818,000 | 15,762,000 | 15,470,000 | 14,683,000 |