Call reports 2003
STROUD NATIONAL BANK — 2003
What STROUD 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 | 39,548,000 | 40,803,000 | 40,115,000 | 40,333,000 |
| Total loans | 21,237,000 | 21,869,000 | 22,436,000 | 23,503,000 |
| Allowance for loan losses | 212,000 | 219,000 | 225,000 | 237,000 |
| Securities available for sale | 12,705,000 | 14,983,000 | 14,223,000 | 12,812,000 |
| Securities held to maturity | 654,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,112,000 | 34,436,000 | 33,807,000 | 33,720,000 |
| Interest-bearing deposits | 29,090,000 | 28,464,000 | 28,490,000 | 28,327,000 |
| Noninterest-bearing deposits | 5,022,000 | 5,972,000 | 5,317,000 | 5,393,000 |
| Equity capital | 4,588,000 | 4,458,000 | 4,412,000 | 4,377,000 |
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 | 605,000 | 1,205,000 | 1,785,000 | 2,455,000 |
| Interest expense | 137,000 | 270,000 | 387,000 | 500,000 |
| Net interest income | 468,000 | 935,000 | 1,398,000 | 1,955,000 |
| Noninterest income | 129,000 | 238,000 | 351,000 | 460,000 |
| Noninterest expense | 443,000 | 887,000 | 1,308,000 | 1,797,000 |
| Provision for loan losses | 42,000 | 48,000 | 83,000 | 106,000 |
| Pretax income | 220,000 | 346,000 | 466,000 | 630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 220,000 | 346,000 | 466,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,398,000 | 4,186,000 | 4,306,000 | 4,309,000 |
| Total capital | 4,610,000 | 4,405,000 | 4,531,000 | 4,546,000 |
| Risk-weighted assets | 23,453,000 | 23,715,000 | 25,626,000 | 26,681,000 |