Call reports 2003
JOURDANTON STATE BANK — 2003
What JOURDANTON STATE 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 | 81,362,000 | 81,670,000 | 80,164,000 | 80,373,000 |
| Total loans | 26,436,000 | 27,988,000 | 26,122,000 | 27,224,000 |
| Allowance for loan losses | 321,000 | 330,000 | 196,000 | 251,000 |
| Securities available for sale | 39,325,000 | 39,394,000 | 41,742,000 | 40,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,080,000 | 65,631,000 | 64,642,000 | 64,969,000 |
| Interest-bearing deposits | 48,526,000 | 47,358,000 | 45,396,000 | 45,137,000 |
| Noninterest-bearing deposits | 17,554,000 | 18,273,000 | 19,246,000 | 19,832,000 |
| Equity capital | 14,538,000 | 15,007,000 | 14,607,000 | 14,472,000 |
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 | 965,000 | 1,965,000 | 2,968,000 | 3,961,000 |
| Interest expense | 154,000 | 303,000 | 436,000 | 550,000 |
| Net interest income | 811,000 | 1,662,000 | 2,532,000 | 3,411,000 |
| Noninterest income | 240,000 | 489,000 | 747,000 | 1,014,000 |
| Noninterest expense | 846,000 | 1,723,000 | 2,605,000 | 3,385,000 |
| Provision for loan losses | 24,000 | 55,000 | 108,000 | 209,000 |
| Pretax income | 181,000 | 373,000 | 566,000 | 916,000 |
| Income tax | 24,000 | 49,000 | 73,000 | 149,000 |
| Net income | 157,000 | 324,000 | 493,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,720,000 | 13,887,000 | 14,056,000 | 13,980,000 |
| Total capital | 14,041,000 | 14,217,000 | 14,252,000 | 14,231,000 |
| Risk-weighted assets | 42,741,000 | 43,946,000 | 41,948,000 | 42,284,000 |