Call reports 2003
ROSELLE BANK — 2003
What ROSELLE 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 | 395,961,000 | 397,936,000 | 399,891,000 | 400,509,000 |
| Total loans | 83,193,000 | 58,824,000 | 50,606,000 | 50,181,000 |
| Allowance for loan losses | 386,000 | 398,000 | 410,000 | 422,000 |
| Securities available for sale | 25,024,000 | 20,121,000 | 20,062,000 | 20,006,000 |
| Securities held to maturity | 262,426,000 | 288,321,000 | 295,558,000 | 303,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,464,000 | 324,893,000 | 326,634,000 | 326,224,000 |
| Interest-bearing deposits | 320,566,000 | 323,566,000 | 324,576,000 | 324,676,000 |
| Noninterest-bearing deposits | 1,898,000 | 1,327,000 | 2,058,000 | 1,548,000 |
| Equity capital | 50,669,000 | 51,316,000 | 51,767,000 | 52,917,000 |
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 | 4,347,000 | 8,562,000 | 12,457,000 | 16,444,000 |
| Interest expense | 2,511,000 | 4,917,000 | 7,169,000 | 9,320,000 |
| Net interest income | 1,836,000 | 3,645,000 | 5,288,000 | 7,124,000 |
| Noninterest income | 19,000 | 43,000 | 64,000 | 81,000 |
| Noninterest expense | 1,106,000 | 2,238,000 | 3,381,000 | 4,485,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 737,000 | 1,426,000 | 1,935,000 | 2,765,000 |
| Income tax | 119,000 | 216,000 | 239,000 | 388,000 |
| Net income | 618,000 | 1,210,000 | 1,696,000 | 2,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,652,000 | 51,243,000 | 51,729,000 | 52,913,000 |
| Total capital | 51,038,000 | 51,641,000 | 52,139,000 | 53,335,000 |
| Risk-weighted assets | 96,087,000 | 93,969,000 | 91,501,000 | 91,379,000 |