Call reports 2003
LANGFORD STATE BANK — 2003
What LANGFORD 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 | 11,320,000 | 11,180,000 | 11,328,000 | 11,597,000 |
| Total loans | 3,788,000 | 3,533,000 | 3,887,000 | 3,854,000 |
| Allowance for loan losses | 215,000 | 215,000 | 215,000 | 216,000 |
| Securities available for sale | 5,918,000 | 5,971,000 | 6,475,000 | 6,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,009,000 | 8,900,000 | 9,067,000 | 9,331,000 |
| Interest-bearing deposits | 7,876,000 | 7,549,000 | 7,614,000 | 7,826,000 |
| Noninterest-bearing deposits | 1,133,000 | 1,351,000 | 1,453,000 | 1,505,000 |
| Equity capital | 2,258,000 | 2,239,000 | 2,221,000 | 2,239,000 |
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 | 129,000 | 247,000 | 360,000 | 490,000 |
| Interest expense | 34,000 | 65,000 | 91,000 | 114,000 |
| Net interest income | 95,000 | 182,000 | 269,000 | 376,000 |
| Noninterest income | 5,000 | 9,000 | 14,000 | 19,000 |
| Noninterest expense | 93,000 | 186,000 | 278,000 | 369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 5,000 | 5,000 | 26,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 3,000 |
| Net income | 6,000 | 4,000 | 4,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,198,000 | 2,197,000 | 2,196,000 | 2,216,000 |
| Total capital | 2,265,000 | 2,262,000 | 2,265,000 | 2,285,000 |
| Risk-weighted assets | 5,250,000 | 5,030,000 | 5,382,000 | 5,398,000 |