Call reports 2003
STONE CITY BANK OF BEDFORD, INDIANA — 2003
What STONE CITY BANK OF BEDFORD, INDIANA 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 | 54,010,000 | 53,054,000 | 54,434,000 | 54,311,000 |
| Total loans | 28,575,000 | 30,756,000 | 31,959,000 | 35,950,000 |
| Allowance for loan losses | 464,000 | 461,000 | 439,000 | 444,000 |
| Securities available for sale | 18,367,000 | 15,909,000 | 13,312,000 | 12,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,352,000 | 46,298,000 | 47,720,000 | 47,617,000 |
| Interest-bearing deposits | 39,351,000 | 38,501,000 | 39,090,000 | 39,048,000 |
| Noninterest-bearing deposits | 8,001,000 | 7,797,000 | 8,630,000 | 8,569,000 |
| Equity capital | 5,297,000 | 5,369,000 | 5,160,000 | 5,166,000 |
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 | 681,000 | 1,360,000 | 2,021,000 | 2,705,000 |
| Interest expense | 211,000 | 407,000 | 585,000 | 753,000 |
| Net interest income | 470,000 | 953,000 | 1,436,000 | 1,952,000 |
| Noninterest income | 177,000 | 387,000 | 582,000 | 775,000 |
| Noninterest expense | 566,000 | 1,155,000 | 1,770,000 | 2,403,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 8,000 |
| Pretax income | 81,000 | 185,000 | 240,000 | 294,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 185,000 | 240,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,876,000 | 4,897,000 | 4,830,000 | 4,856,000 |
| Total capital | 5,287,000 | 5,333,000 | 5,269,000 | 5,300,000 |
| Risk-weighted assets | 32,817,000 | 34,863,000 | 36,265,000 | 39,521,000 |