Call reports 2003
BUCKHOLTS STATE BANK, THE — 2003
What BUCKHOLTS STATE BANK, THE 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 | 41,812,000 | 41,912,000 | 42,082,000 | 41,788,000 |
| Total loans | 17,605,000 | 16,959,000 | 16,333,000 | 13,978,000 |
| Allowance for loan losses | 325,000 | 615,000 | 615,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,170,000 | 15,729,000 | 13,134,000 | 14,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,181,000 | 36,503,000 | 36,557,000 | 36,790,000 |
| Interest-bearing deposits | 30,415,000 | 30,769,000 | 30,598,000 | 30,939,000 |
| Noninterest-bearing deposits | 5,766,000 | 5,734,000 | 5,959,000 | 5,851,000 |
| Equity capital | 5,547,000 | 5,333,000 | 5,449,000 | 4,952,000 |
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 | 524,000 | 985,000 | 1,407,000 | 1,850,000 |
| Interest expense | 152,000 | 287,000 | 407,000 | 519,000 |
| Net interest income | 372,000 | 698,000 | 1,000,000 | 1,331,000 |
| Noninterest income | 69,000 | 148,000 | 235,000 | 323,000 |
| Noninterest expense | 278,000 | 544,000 | 816,000 | 1,092,000 |
| Provision for loan losses | 0 | 290,000 | 290,000 | 929,000 |
| Pretax income | 163,000 | 12,000 | 129,000 | -367,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 162,000 | 9,000 | 125,000 | -372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,547,000 | 5,333,000 | 5,449,000 | 4,952,000 |
| Total capital | 5,805,000 | 5,586,000 | 5,701,000 | 5,052,000 |
| Risk-weighted assets | 20,560,000 | 19,880,000 | 19,782,000 | 18,137,000 |