Call reports 2003
ST. JOSEPH CAPITAL BANK — 2003
What ST. JOSEPH CAPITAL 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 | 280,876,000 | 271,865,000 | 265,022,000 | 288,400,000 |
| Total loans | 202,013,000 | 207,286,000 | 216,176,000 | 226,291,000 |
| Allowance for loan losses | 3,067,000 | 3,129,000 | 3,223,000 | 3,317,000 |
| Securities available for sale | 42,166,000 | 39,925,000 | 32,205,000 | 24,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,449,000 | 195,807,000 | 183,532,000 | 208,955,000 |
| Interest-bearing deposits | 171,870,000 | 164,218,000 | 168,968,000 | 195,448,000 |
| Noninterest-bearing deposits | 30,579,000 | 31,589,000 | 14,564,000 | 13,507,000 |
| Equity capital | 21,446,000 | 22,129,000 | 24,633,000 | 25,413,000 |
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 | 3,218,000 | 6,375,000 | 9,533,000 | 12,691,000 |
| Interest expense | 1,162,000 | 2,285,000 | 3,288,000 | 4,308,000 |
| Net interest income | 2,056,000 | 4,090,000 | 6,245,000 | 8,383,000 |
| Noninterest income | 115,000 | 274,000 | 371,000 | 498,000 |
| Noninterest expense | 1,233,000 | 2,517,000 | 4,192,000 | 5,529,000 |
| Provision for loan losses | 77,000 | 139,000 | 233,000 | 327,000 |
| Pretax income | 861,000 | 1,708,000 | 2,329,000 | 3,260,000 |
| Income tax | 307,000 | 606,000 | 855,000 | 1,052,000 |
| Net income | 554,000 | 1,102,000 | 1,474,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,980,000 | 21,528,000 | 24,480,000 | 25,215,000 |
| Total capital | 23,510,000 | 24,089,000 | 27,107,000 | 28,095,000 |
| Risk-weighted assets | 201,826,000 | 204,283,000 | 209,587,000 | 229,977,000 |