Call reports 2003
DEERWOOD BANK — 2003
What DEERWOOD 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 | 141,052,000 | 147,112,000 | 147,556,000 | 147,061,000 |
| Total loans | 94,126,000 | 93,040,000 | 87,292,000 | 82,037,000 |
| Allowance for loan losses | 1,487,000 | 1,431,000 | 1,297,000 | 1,232,000 |
| Securities available for sale | 31,897,000 | 33,631,000 | 38,368,000 | 43,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,412,000 | 121,188,000 | 120,957,000 | 119,269,000 |
| Interest-bearing deposits | 97,429,000 | 98,067,000 | 98,607,000 | 97,288,000 |
| Noninterest-bearing deposits | 18,983,000 | 23,121,000 | 22,350,000 | 21,981,000 |
| Equity capital | 14,923,000 | 15,453,000 | 15,641,000 | 16,024,000 |
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 | 1,992,000 | 4,024,000 | 6,014,000 | 7,904,000 |
| Interest expense | 542,000 | 1,072,000 | 1,573,000 | 2,044,000 |
| Net interest income | 1,450,000 | 2,952,000 | 4,441,000 | 5,860,000 |
| Noninterest income | 312,000 | 790,000 | 1,290,000 | 1,666,000 |
| Noninterest expense | 1,052,000 | 2,121,000 | 3,359,000 | 4,659,000 |
| Provision for loan losses | 330,000 | 330,000 | 230,000 | 130,000 |
| Pretax income | 440,000 | 1,352,000 | 2,221,000 | 2,816,000 |
| Income tax | 150,000 | 491,000 | 811,000 | 1,023,000 |
| Net income | 290,000 | 861,000 | 1,410,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,857,000 | 12,364,000 | 12,863,000 | 13,223,000 |
| Total capital | 13,141,000 | 13,671,000 | 14,146,000 | 14,455,000 |
| Risk-weighted assets | 102,497,000 | 104,449,000 | 102,627,000 | 100,838,000 |