Call reports 2003
22ND STATE BANKING COMPANY — 2003
What 22ND STATE BANKING COMPANY 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 | 51,552,000 | 50,916,000 | 50,969,000 | 51,845,000 |
| Total loans | 32,644,000 | 32,125,000 | 30,938,000 | 35,656,000 |
| Allowance for loan losses | 589,000 | 574,000 | 588,000 | 619,000 |
| Securities available for sale | 14,304,000 | 14,233,000 | 15,057,000 | 12,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,939,000 | 46,195,000 | 46,280,000 | 47,121,000 |
| Interest-bearing deposits | 42,511,000 | 41,727,000 | 41,786,000 | 42,928,000 |
| Noninterest-bearing deposits | 4,428,000 | 4,468,000 | 4,494,000 | 4,193,000 |
| Equity capital | 4,390,000 | 4,497,000 | 4,443,000 | 4,543,000 |
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 | 731,000 | 1,460,000 | 2,156,000 | 2,889,000 |
| Interest expense | 268,000 | 524,000 | 763,000 | 987,000 |
| Net interest income | 463,000 | 936,000 | 1,393,000 | 1,902,000 |
| Noninterest income | 59,000 | 136,000 | 181,000 | 253,000 |
| Noninterest expense | 391,000 | 778,000 | 1,188,000 | 1,579,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 143,000 | 316,000 | 408,000 | 605,000 |
| Income tax | 54,000 | 119,000 | 153,000 | 231,000 |
| Net income | 89,000 | 197,000 | 255,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,318,000 | 4,422,000 | 4,480,000 | 4,579,000 |
| Total capital | 4,761,000 | 4,861,000 | 4,909,000 | 5,051,000 |
| Risk-weighted assets | 35,294,000 | 35,022,000 | 34,153,000 | 37,585,000 |