Call reports 2003
KNISELY BANK — 2003
What KNISELY 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 | 50,818,000 | 50,139,000 | 49,037,000 | 48,804,000 |
| Total loans | 31,363,000 | 29,430,000 | 28,747,000 | 29,014,000 |
| Allowance for loan losses | 252,000 | 244,000 | 233,000 | 236,000 |
| Securities available for sale | 7,593,000 | 10,044,000 | 12,983,000 | 13,979,000 |
| Securities held to maturity | 294,000 | 294,000 | 219,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,659,000 | 46,098,000 | 45,020,000 | 44,478,000 |
| Interest-bearing deposits | 38,553,000 | 38,064,000 | 36,424,000 | 35,989,000 |
| Noninterest-bearing deposits | 8,106,000 | 8,034,000 | 8,596,000 | 8,489,000 |
| Equity capital | 3,982,000 | 3,834,000 | 3,828,000 | 3,452,000 |
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 | 626,000 | 1,236,000 | 1,812,000 | 2,421,000 |
| Interest expense | 122,000 | 241,000 | 341,000 | 430,000 |
| Net interest income | 504,000 | 995,000 | 1,471,000 | 1,991,000 |
| Noninterest income | 90,000 | 162,000 | 231,000 | 301,000 |
| Noninterest expense | 433,000 | 887,000 | 1,334,000 | 1,811,000 |
| Provision for loan losses | 4,000 | 4,000 | 9,000 | 487,000 |
| Pretax income | 157,000 | 276,000 | 369,000 | 4,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 6,000 |
| Net income | 155,000 | 273,000 | 364,000 | -2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,953,000 | 3,789,000 | 3,845,000 | 3,478,000 |
| Total capital | 4,205,000 | 4,033,000 | 4,078,000 | 3,714,000 |
| Risk-weighted assets | 28,678,000 | 27,836,000 | 27,447,000 | 27,345,000 |