Call reports 2003
STATE BANK — 2003
What 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 | 68,028,000 | 70,109,000 | 72,491,000 | 71,721,000 |
| Total loans | 46,544,000 | 47,376,000 | 48,208,000 | 50,799,000 |
| Allowance for loan losses | 490,000 | 494,000 | 479,000 | 500,000 |
| Securities available for sale | 10,962,000 | 12,184,000 | 11,701,000 | 11,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,296,000 | 58,527,000 | 58,757,000 | 58,021,000 |
| Interest-bearing deposits | 49,994,000 | 49,468,000 | 50,338,000 | 51,299,000 |
| Noninterest-bearing deposits | 5,302,000 | 9,059,000 | 8,419,000 | 6,722,000 |
| Equity capital | 6,760,000 | 7,000,000 | 7,149,000 | 7,205,000 |
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 | 928,000 | 1,825,000 | 2,740,000 | 3,641,000 |
| Interest expense | 431,000 | 833,000 | 1,223,000 | 1,586,000 |
| Net interest income | 497,000 | 992,000 | 1,517,000 | 2,055,000 |
| Noninterest income | 116,000 | 256,000 | 397,000 | 498,000 |
| Noninterest expense | 349,000 | 696,000 | 1,053,000 | 1,455,000 |
| Provision for loan losses | 9,000 | 18,000 | 30,000 | 51,000 |
| Pretax income | 255,000 | 534,000 | 831,000 | 1,047,000 |
| Income tax | 76,000 | 155,000 | 235,000 | 289,000 |
| Net income | 179,000 | 379,000 | 596,000 | 758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,619,000 | 6,819,000 | 7,036,000 | 7,110,000 |
| Total capital | 7,109,000 | 7,313,000 | 7,515,000 | 7,610,000 |
| Risk-weighted assets | 42,899,000 | 44,617,000 | 45,165,000 | 46,418,000 |