Call reports 2003
STOCK EXCHANGE BANK, THE — 2003
What STOCK EXCHANGE BANK, THE 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 | 119,282,000 | 118,375,000 | 118,978,000 | 124,708,000 |
| Total loans | 43,902,000 | 46,742,000 | 45,540,000 | 45,430,000 |
| Allowance for loan losses | 770,000 | 723,000 | 813,000 | 838,000 |
| Securities available for sale | 32,390,000 | 32,137,000 | 30,491,000 | 29,050,000 |
| Securities held to maturity | 21,640,000 | 21,763,000 | 25,088,000 | 25,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,110,000 | 97,979,000 | 98,504,000 | 105,330,000 |
| Interest-bearing deposits | 84,953,000 | 84,853,000 | 84,596,000 | 87,820,000 |
| Noninterest-bearing deposits | 14,157,000 | 13,126,000 | 13,908,000 | 17,510,000 |
| Equity capital | 19,256,000 | 19,610,000 | 19,706,000 | 18,943,000 |
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 | 1,363,000 | 2,690,000 | 3,984,000 | 5,389,000 |
| Interest expense | 340,000 | 647,000 | 904,000 | 1,140,000 |
| Net interest income | 1,023,000 | 2,043,000 | 3,080,000 | 4,249,000 |
| Noninterest income | 228,000 | 495,000 | 768,000 | 1,076,000 |
| Noninterest expense | 869,000 | 1,693,000 | 2,553,000 | 3,442,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 370,000 | 815,000 | 1,251,000 | 1,824,000 |
| Income tax | 150,000 | 255,000 | 345,000 | 411,000 |
| Net income | 220,000 | 560,000 | 906,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,455,000 | 18,795,000 | 19,141,000 | 18,448,000 |
| Total capital | 19,192,000 | 19,518,000 | 19,906,000 | 19,217,000 |
| Risk-weighted assets | 58,961,000 | 61,959,000 | 61,124,000 | 61,432,000 |