Call reports 2003
STATE BANK OF SCHALLER — 2003
What STATE BANK OF SCHALLER 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 | 17,364,000 | 17,987,000 | 17,366,000 | 17,116,000 |
| Total loans | 8,457,000 | 8,933,000 | 9,200,000 | 8,733,000 |
| Allowance for loan losses | 247,000 | 232,000 | 217,000 | 219,000 |
| Securities available for sale | 5,602,000 | 5,194,000 | 4,496,000 | 4,446,000 |
| Securities held to maturity | 1,047,000 | 1,495,000 | 1,592,000 | 1,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,954,000 | 15,475,000 | 15,075,000 | 14,770,000 |
| Interest-bearing deposits | 13,444,000 | 13,930,000 | 13,390,000 | 13,220,000 |
| Noninterest-bearing deposits | 1,510,000 | 1,545,000 | 1,685,000 | 1,550,000 |
| Equity capital | 2,198,000 | 2,272,000 | 2,041,000 | 2,090,000 |
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 | 242,000 | 485,000 | 731,000 | 970,000 |
| Interest expense | 66,000 | 124,000 | 176,000 | 225,000 |
| Net interest income | 176,000 | 361,000 | 555,000 | 745,000 |
| Noninterest income | 93,000 | 181,000 | 261,000 | 425,000 |
| Noninterest expense | 188,000 | 354,000 | 522,000 | 753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 193,000 | 306,000 | 432,000 |
| Income tax | 14,000 | 53,000 | 103,000 | 146,000 |
| Net income | 67,000 | 140,000 | 203,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,042,000 | 2,115,000 | 1,927,000 | 2,004,000 |
| Total capital | 2,164,000 | 2,245,000 | 2,060,000 | 2,131,000 |
| Risk-weighted assets | 9,641,000 | 10,302,000 | 10,591,000 | 10,030,000 |