Call reports 2003
ARCOLA HOMESTEAD SAVINGS BANK — 2003
What ARCOLA HOMESTEAD SAVINGS 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 | 4,976,000 | 4,815,000 | 4,701,000 | 4,598,000 |
| Total loans | 1,549,000 | 1,319,000 | 1,200,000 | 1,067,000 |
| Allowance for loan losses | 22,000 | 22,000 | 22,000 | 22,000 |
| Securities available for sale | 755,000 | 2,788,000 | 2,232,000 | 3,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,098,000 | 3,885,000 | 3,789,000 | 3,720,000 |
| Interest-bearing deposits | 4,098,000 | 3,885,000 | 3,789,000 | 3,720,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 855,000 | 897,000 | 870,000 | 843,000 |
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 | 57,000 | 111,000 | 165,000 | 215,000 |
| Interest expense | 29,000 | 56,000 | 78,000 | 97,000 |
| Net interest income | 28,000 | 55,000 | 87,000 | 118,000 |
| Noninterest income | 6,000 | 27,000 | 29,000 | 30,000 |
| Noninterest expense | 28,000 | 61,000 | 105,000 | 140,000 |
| Provision for loan losses | -3,000 | -3,000 | -3,000 | -3,000 |
| Pretax income | 6,000 | 21,000 | 46,000 | 43,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 6,000 |
| Net income | 5,000 | 18,000 | 40,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 804,000 | 817,000 | 840,000 | 835,000 |
| Total capital | 826,000 | 839,000 | 862,000 | 855,000 |
| Risk-weighted assets | 1,639,000 | 1,499,000 | 1,448,000 | 1,566,000 |