Call reports 2003
5STAR BANK — 2003
What 5STAR 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 | 217,762,000 | 218,604,000 | 210,729,000 | 208,857,000 |
| Total loans | 83,234,000 | 84,690,000 | 84,185,000 | 88,494,000 |
| Allowance for loan losses | 6,358,000 | 5,961,000 | 5,430,000 | 5,326,000 |
| Securities available for sale | 110,041,000 | 117,969,000 | 101,048,000 | 105,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,234,000 | 186,982,000 | 178,911,000 | 177,083,000 |
| Interest-bearing deposits | 186,076,000 | 184,214,000 | 177,249,000 | 175,965,000 |
| Noninterest-bearing deposits | 1,157,000 | 2,767,000 | 1,662,000 | 1,117,000 |
| Equity capital | 29,327,000 | 29,913,000 | 29,885,000 | 30,214,000 |
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 | 3,554,000 | 6,861,000 | 9,896,000 | 12,978,000 |
| Interest expense | 1,019,000 | 2,026,000 | 2,938,000 | 3,781,000 |
| Net interest income | 2,535,000 | 4,835,000 | 6,958,000 | 9,197,000 |
| Noninterest income | 1,337,000 | 2,815,000 | 4,340,000 | 5,950,000 |
| Noninterest expense | 2,459,000 | 4,889,000 | 7,468,000 | 9,994,000 |
| Provision for loan losses | 873,000 | 1,660,000 | 2,208,000 | 2,930,000 |
| Pretax income | 923,000 | 1,484,000 | 2,103,000 | 2,704,000 |
| Income tax | 336,000 | 536,000 | 761,000 | 983,000 |
| Net income | 587,000 | 948,000 | 1,342,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,410,000 | 28,771,000 | 29,165,000 | 29,544,000 |
| Total capital | 30,031,000 | 30,438,000 | 30,817,000 | 31,232,000 |
| Risk-weighted assets | 124,910,000 | 129,064,000 | 128,399,000 | 131,386,000 |