Call reports 2003
TOUCHSTONE BANK — 2003
What TOUCHSTONE 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 | 108,916,000 | 111,875,000 | 115,301,000 | 124,317,000 |
| Total loans | 71,855,000 | 74,313,000 | 79,337,000 | 86,203,000 |
| Allowance for loan losses | 824,000 | 846,000 | 857,000 | 900,000 |
| Securities available for sale | 15,621,000 | 16,804,000 | 19,368,000 | 17,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,031,000 | 96,762,000 | 99,969,000 | 103,756,000 |
| Interest-bearing deposits | 78,163,000 | 80,001,000 | 81,604,000 | 85,125,000 |
| Noninterest-bearing deposits | 15,868,000 | 16,761,000 | 18,365,000 | 18,632,000 |
| Equity capital | 14,042,000 | 14,426,000 | 14,541,000 | 14,560,000 |
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 | 1,722,000 | 3,525,000 | 5,332,000 | 7,159,000 |
| Interest expense | 434,000 | 841,000 | 1,229,000 | 1,618,000 |
| Net interest income | 1,288,000 | 2,684,000 | 4,103,000 | 5,541,000 |
| Noninterest income | 186,000 | 381,000 | 581,000 | 806,000 |
| Noninterest expense | 1,071,000 | 2,209,000 | 3,340,000 | 4,497,000 |
| Provision for loan losses | 24,000 | 48,000 | 78,000 | 126,000 |
| Pretax income | 492,000 | 962,000 | 1,454,000 | 1,933,000 |
| Income tax | 163,000 | 318,000 | 481,000 | 633,000 |
| Net income | 329,000 | 644,000 | 973,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,022,000 | 14,337,000 | 14,666,000 | 14,666,000 |
| Total capital | 14,720,000 | 15,057,000 | 15,397,000 | 15,440,000 |
| Risk-weighted assets | 76,712,000 | 79,340,000 | 84,956,000 | 91,347,000 |
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