Call reports 2003
LINDALE STATE BANK — 2003
What LINDALE STATE 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 | 69,292,000 | 72,764,000 | 70,307,000 | 71,787,000 |
| Total loans | 44,333,000 | 43,751,000 | 41,867,000 | 42,290,000 |
| Allowance for loan losses | 507,000 | 532,000 | 530,000 | 737,000 |
| Securities available for sale | 10,577,000 | 7,866,000 | 15,844,000 | 19,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,694,000 | 65,100,000 | 62,516,000 | 64,422,000 |
| Interest-bearing deposits | 50,875,000 | 49,266,000 | 49,095,000 | 49,728,000 |
| Noninterest-bearing deposits | 10,819,000 | 15,834,000 | 13,421,000 | 14,694,000 |
| Equity capital | 7,195,000 | 7,319,000 | 7,414,000 | 7,229,000 |
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 | 795,000 | 1,573,000 | 2,317,000 | 3,049,000 |
| Interest expense | 214,000 | 401,000 | 552,000 | 690,000 |
| Net interest income | 581,000 | 1,172,000 | 1,765,000 | 2,359,000 |
| Noninterest income | 139,000 | 320,000 | 526,000 | 702,000 |
| Noninterest expense | 490,000 | 1,003,000 | 1,537,000 | 2,054,000 |
| Provision for loan losses | 30,000 | 75,000 | 118,000 | 612,000 |
| Pretax income | 200,000 | 414,000 | 636,000 | 395,000 |
| Income tax | 68,000 | 141,000 | 211,000 | 131,000 |
| Net income | 132,000 | 273,000 | 425,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,077,000 | 7,219,000 | 7,346,000 | 7,185,000 |
| Total capital | 7,584,000 | 7,751,000 | 7,876,000 | 7,823,000 |
| Risk-weighted assets | 48,990,000 | 48,831,000 | 49,585,000 | 50,955,000 |