Call reports 2003
FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 177,640,000 | 177,663,000 | 172,804,000 | 164,882,000 |
| Total loans | 134,926,000 | 129,852,000 | 124,128,000 | 123,482,000 |
| Allowance for loan losses | 2,365,000 | 2,565,000 | 2,050,000 | 2,186,000 |
| Securities available for sale | 17,003,000 | 25,064,000 | 19,943,000 | 18,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,541,000 | 143,001,000 | 138,021,000 | 129,363,000 |
| Interest-bearing deposits | 119,934,000 | 119,412,000 | 116,187,000 | 107,481,000 |
| Noninterest-bearing deposits | 23,607,000 | 23,589,000 | 21,833,000 | 21,881,000 |
| Equity capital | 27,211,000 | 27,538,000 | 28,046,000 | 28,440,000 |
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 | 2,615,000 | 5,030,000 | 7,320,000 | 9,522,000 |
| Interest expense | 837,000 | 1,600,000 | 2,246,000 | 2,831,000 |
| Net interest income | 1,778,000 | 3,430,000 | 5,074,000 | 6,691,000 |
| Noninterest income | 212,000 | 672,000 | 947,000 | 1,179,000 |
| Noninterest expense | 1,475,000 | 2,940,000 | 4,068,000 | 5,229,000 |
| Provision for loan losses | 375,000 | 975,000 | 1,795,000 | 1,945,000 |
| Pretax income | 140,000 | 187,000 | 313,000 | 851,000 |
| Income tax | 20,000 | 1,000 | 31,000 | 230,000 |
| Net income | 120,000 | 186,000 | 282,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,777,000 | 14,976,000 | 16,203,000 | 16,669,000 |
| Total capital | 16,412,000 | 16,589,000 | 17,733,000 | 18,173,000 |
| Risk-weighted assets | 130,080,000 | 128,099,000 | 121,873,000 | 119,636,000 |