Call reports 2003
SIMPLYBANK. — 2003
What SIMPLYBANK. 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 | 129,718,000 | 132,825,000 | 133,493,000 | 132,557,000 |
| Total loans | 105,980,000 | 106,537,000 | 111,048,000 | 110,758,000 |
| Allowance for loan losses | 1,024,000 | 954,000 | 873,000 | 1,004,000 |
| Securities available for sale | 8,321,000 | 10,851,000 | 7,822,000 | 7,392,000 |
| Securities held to maturity | 3,229,000 | 3,229,000 | 2,662,000 | 2,661,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,482,000 | 117,041,000 | 116,380,000 | 115,425,000 |
| Interest-bearing deposits | 98,998,000 | 99,281,000 | 98,511,000 | 95,612,000 |
| Noninterest-bearing deposits | 15,484,000 | 17,760,000 | 17,869,000 | 19,813,000 |
| Equity capital | 9,905,000 | 10,595,000 | 11,106,000 | 11,325,000 |
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 | 2,223,000 | 4,463,000 | 6,767,000 | 8,928,000 |
| Interest expense | 645,000 | 1,271,000 | 1,856,000 | 2,408,000 |
| Net interest income | 1,578,000 | 3,192,000 | 4,911,000 | 6,520,000 |
| Noninterest income | 294,000 | 624,000 | 990,000 | 1,386,000 |
| Noninterest expense | 1,187,000 | 2,442,000 | 3,777,000 | 5,345,000 |
| Provision for loan losses | 75,000 | 150,000 | 255,000 | 450,000 |
| Pretax income | 610,000 | 1,225,000 | 1,870,000 | 2,111,000 |
| Income tax | 6,000 | 3,000 | 2,000 | 5,000 |
| Net income | 604,000 | 1,222,000 | 1,868,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,762,000 | 10,380,000 | 11,024,000 | 11,264,000 |
| Total capital | 10,786,000 | 11,334,000 | 11,897,000 | 12,268,000 |
| Risk-weighted assets | 105,222,000 | 105,758,000 | 110,568,000 | 109,673,000 |