Call reports 2003
BANK OF LENAWEE — 2003
What BANK OF LENAWEE 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 | 237,427,000 | 249,829,000 | 248,605,000 | 249,847,000 |
| Total loans | 191,383,000 | 203,714,000 | 202,037,000 | 209,900,000 |
| Allowance for loan losses | 2,113,000 | 2,236,000 | 2,299,000 | 2,302,000 |
| Securities available for sale | 24,305,000 | 19,522,000 | 16,988,000 | 20,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,854,000 | 206,600,000 | 205,585,000 | 202,730,000 |
| Interest-bearing deposits | 150,181,000 | 154,293,000 | 161,305,000 | 159,537,000 |
| Noninterest-bearing deposits | 47,674,000 | 52,308,000 | 44,280,000 | 43,192,000 |
| Equity capital | 26,082,000 | 26,297,000 | 26,907,000 | 27,708,000 |
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 | 3,722,000 | 7,483,000 | 11,351,000 | 15,090,000 |
| Interest expense | 789,000 | 1,598,000 | 2,332,000 | 3,044,000 |
| Net interest income | 2,933,000 | 5,885,000 | 9,019,000 | 12,046,000 |
| Noninterest income | 1,493,000 | 3,369,000 | 5,075,000 | 5,965,000 |
| Noninterest expense | 2,978,000 | 6,208,000 | 9,512,000 | 12,236,000 |
| Provision for loan losses | 80,000 | 320,000 | 455,000 | 595,000 |
| Pretax income | 1,368,000 | 2,726,000 | 4,127,000 | 5,180,000 |
| Income tax | 428,000 | 877,000 | 1,324,000 | 1,662,000 |
| Net income | 940,000 | 1,849,000 | 2,803,000 | 3,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,905,000 | 26,068,000 | 26,771,000 | 27,486,000 |
| Total capital | 28,018,000 | 28,304,000 | 29,070,000 | 29,788,000 |
| Risk-weighted assets | 195,686,000 | 211,042,000 | 214,481,000 | 218,738,000 |