Call reports 2003
BENCHMARK COMMUNITY BANK — 2003
What BENCHMARK COMMUNITY 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 | 275,765,000 | 271,902,000 | 277,757,000 | 283,886,000 |
| Total loans | 198,207,000 | 209,113,000 | 212,366,000 | 214,703,000 |
| Allowance for loan losses | 1,983,000 | 2,092,000 | 2,124,000 | 1,984,000 |
| Securities available for sale | 31,302,000 | 32,690,000 | 29,450,000 | 28,905,000 |
| Securities held to maturity | 511,000 | 511,000 | 2,311,000 | 2,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,672,000 | 245,181,000 | 250,518,000 | 258,041,000 |
| Interest-bearing deposits | 221,357,000 | 215,966,000 | 217,921,000 | 222,627,000 |
| Noninterest-bearing deposits | 28,315,000 | 29,215,000 | 32,597,000 | 35,414,000 |
| Equity capital | 24,240,000 | 25,316,000 | 25,671,000 | 24,395,000 |
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 | 4,220,000 | 8,508,000 | 12,679,000 | 16,869,000 |
| Interest expense | 1,689,000 | 3,302,000 | 4,818,000 | 6,269,000 |
| Net interest income | 2,531,000 | 5,206,000 | 7,861,000 | 10,600,000 |
| Noninterest income | 307,000 | 679,000 | 996,000 | 1,376,000 |
| Noninterest expense | 1,603,000 | 3,286,000 | 5,017,000 | 6,700,000 |
| Provision for loan losses | 30,000 | 170,000 | 292,000 | 292,000 |
| Pretax income | 1,205,000 | 2,431,000 | 3,566,000 | 5,003,000 |
| Income tax | 354,000 | 718,000 | 1,056,000 | 1,380,000 |
| Net income | 851,000 | 1,713,000 | 2,510,000 | 3,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,568,000 | 24,311,000 | 24,870,000 | 23,594,000 |
| Total capital | 25,551,000 | 26,403,000 | 26,994,000 | 25,578,000 |
| Risk-weighted assets | 189,310,000 | 194,960,000 | 196,817,000 | 197,979,000 |