Call reports 2003
KODABANK — 2003
What KODABANK 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 | 34,864,000 | 36,637,000 | 36,042,000 | 35,481,000 |
| Total loans | 23,797,000 | 24,426,000 | 25,004,000 | 22,829,000 |
| Allowance for loan losses | 691,000 | 703,000 | 664,000 | 642,000 |
| Securities available for sale | 5,138,000 | 5,998,000 | 6,276,000 | 7,040,000 |
| Securities held to maturity | 785,000 | 880,000 | 875,000 | 859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,382,000 | 32,112,000 | 30,273,000 | 31,287,000 |
| Interest-bearing deposits | 26,917,000 | 27,290,000 | 26,871,000 | 27,611,000 |
| Noninterest-bearing deposits | 3,465,000 | 4,822,000 | 3,402,000 | 3,676,000 |
| Equity capital | 4,027,000 | 4,020,000 | 4,065,000 | 3,857,000 |
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 | 566,000 | 1,117,000 | 1,661,000 | 2,191,000 |
| Interest expense | 180,000 | 358,000 | 520,000 | 674,000 |
| Net interest income | 386,000 | 759,000 | 1,141,000 | 1,517,000 |
| Noninterest income | 45,000 | 85,000 | 125,000 | 162,000 |
| Noninterest expense | 189,000 | 370,000 | 569,000 | 781,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 230,000 | 450,000 | 661,000 | 862,000 |
| Income tax | 85,000 | 164,000 | 235,000 | 308,000 |
| Net income | 145,000 | 286,000 | 426,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,959,000 | 3,950,000 | 4,030,000 | 3,828,000 |
| Total capital | 4,237,000 | 4,237,000 | 4,324,000 | 4,100,000 |
| Risk-weighted assets | 21,788,000 | 22,509,000 | 23,123,000 | 21,421,000 |