Call reports 2003
KLEIN BANK — 2003
What KLEIN 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 | 536,557,000 | 551,604,000 | 569,890,000 | 570,963,000 |
| Total loans | 164,251,000 | 167,292,000 | 169,275,000 | 167,503,000 |
| Allowance for loan losses | 1,637,000 | 1,626,000 | 1,591,000 | 1,862,000 |
| Securities available for sale | 35,867,000 | 32,280,000 | 28,834,000 | 28,614,000 |
| Securities held to maturity | 288,661,000 | 302,114,000 | 336,785,000 | 338,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,083,000 | 503,727,000 | 504,372,000 | 520,146,000 |
| Interest-bearing deposits | 330,899,000 | 335,085,000 | 339,661,000 | 343,433,000 |
| Noninterest-bearing deposits | 159,184,000 | 168,642,000 | 164,711,000 | 176,713,000 |
| Equity capital | 42,285,000 | 44,476,000 | 45,281,000 | 41,689,000 |
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 | 7,288,000 | 14,628,000 | 21,763,000 | 29,281,000 |
| Interest expense | 909,000 | 1,776,000 | 2,490,000 | 3,192,000 |
| Net interest income | 6,379,000 | 12,852,000 | 19,273,000 | 26,089,000 |
| Noninterest income | 1,711,000 | 3,519,000 | 5,269,000 | 7,682,000 |
| Noninterest expense | 5,412,000 | 10,935,000 | 16,541,000 | 21,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 2,678,000 | 5,436,000 | 8,001,000 | 11,699,000 |
| Income tax | 919,000 | 1,861,000 | 2,734,000 | 4,008,000 |
| Net income | 1,759,000 | 3,575,000 | 5,267,000 | 7,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,641,000 | 42,458,000 | 44,135,000 | 40,596,000 |
| Total capital | 42,286,000 | 44,094,000 | 45,730,000 | 42,463,000 |
| Risk-weighted assets | 171,964,000 | 175,687,000 | 174,512,000 | 173,333,000 |