Call reports 2003
SONATA BANK — 2003
What SONATA 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 | 26,518,000 | 26,776,000 | 26,001,000 | 25,468,000 |
| Total loans | 15,054,000 | 14,010,000 | 14,121,000 | 12,553,000 |
| Allowance for loan losses | 377,000 | 383,000 | 406,000 | 342,000 |
| Securities available for sale | 3,306,000 | 3,318,000 | 2,828,000 | 2,803,000 |
| Securities held to maturity | 2,070,000 | 2,467,000 | 3,594,000 | 4,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,623,000 | 22,925,000 | 22,402,000 | 22,177,000 |
| Interest-bearing deposits | 19,821,000 | 20,197,000 | 19,589,000 | 19,365,000 |
| Noninterest-bearing deposits | 2,802,000 | 2,728,000 | 2,813,000 | 2,812,000 |
| Equity capital | 2,427,000 | 2,451,000 | 2,461,000 | 2,203,000 |
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 | 397,000 | 769,000 | 1,113,000 | 1,460,000 |
| Interest expense | 173,000 | 333,000 | 474,000 | 606,000 |
| Net interest income | 224,000 | 436,000 | 639,000 | 854,000 |
| Noninterest income | 42,000 | 67,000 | 101,000 | 116,000 |
| Noninterest expense | 192,000 | 407,000 | 592,000 | 842,000 |
| Provision for loan losses | 2,000 | 6,000 | 14,000 | 330,000 |
| Pretax income | 72,000 | 90,000 | 134,000 | -202,000 |
| Income tax | 17,000 | 23,000 | 33,000 | -60,000 |
| Net income | 55,000 | 67,000 | 101,000 | -142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,358,000 | 2,368,000 | 2,404,000 | 2,160,000 |
| Total capital | 2,544,000 | 2,547,000 | 2,582,000 | 2,327,000 |
| Risk-weighted assets | 14,700,000 | 14,157,000 | 14,051,000 | 13,158,000 |