Call reports 2003
S&C BANK — 2003
What S&C 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 | 326,892,000 | 339,488,000 | 341,832,000 | 351,254,000 |
| Total loans | 234,804,000 | 239,355,000 | 238,745,000 | 244,053,000 |
| Allowance for loan losses | 4,742,000 | 4,827,000 | 4,948,000 | 4,877,000 |
| Securities available for sale | 59,518,000 | 64,983,000 | 71,678,000 | 77,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,225,000 | 279,327,000 | 282,124,000 | 283,636,000 |
| Interest-bearing deposits | 224,656,000 | 226,694,000 | 231,265,000 | 226,509,000 |
| Noninterest-bearing deposits | 44,569,000 | 52,633,000 | 50,859,000 | 57,127,000 |
| Equity capital | 34,298,000 | 35,640,000 | 36,609,000 | 37,169,000 |
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 | 4,955,000 | 9,959,000 | 14,971,000 | 19,813,000 |
| Interest expense | 1,419,000 | 2,763,000 | 4,054,000 | 5,267,000 |
| Net interest income | 3,536,000 | 7,196,000 | 10,917,000 | 14,546,000 |
| Noninterest income | 1,244,000 | 2,925,000 | 4,447,000 | 5,458,000 |
| Noninterest expense | 2,903,000 | 6,163,000 | 9,526,000 | 12,908,000 |
| Provision for loan losses | 124,000 | 248,000 | 372,000 | 1,242,000 |
| Pretax income | 1,753,000 | 3,710,000 | 5,466,000 | 5,912,000 |
| Income tax | 543,000 | 1,173,000 | 1,727,000 | 1,757,000 |
| Net income | 1,210,000 | 2,537,000 | 3,739,000 | 4,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,803,000 | 30,135,000 | 31,341,000 | 31,947,000 |
| Total capital | 32,051,000 | 33,470,000 | 34,913,000 | 35,705,000 |
| Risk-weighted assets | 258,333,000 | 265,273,000 | 284,378,000 | 299,492,000 |