Call reports 2003
ISLANDERS BANK — 2003
What ISLANDERS 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 | 137,899,000 | 149,216,000 | 151,928,000 | 143,994,000 |
| Total loans | 84,892,000 | 82,098,000 | 75,820,000 | 77,046,000 |
| Allowance for loan losses | 1,425,000 | 1,463,000 | 1,484,000 | 1,484,000 |
| Securities available for sale | 28,580,000 | 29,393,000 | 49,162,000 | 45,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,514,000 | 134,358,000 | 136,823,000 | 129,026,000 |
| Interest-bearing deposits | 95,160,000 | 99,996,000 | 99,816,000 | 97,515,000 |
| Noninterest-bearing deposits | 28,354,000 | 34,362,000 | 37,007,000 | 31,511,000 |
| Equity capital | 13,353,000 | 14,007,000 | 14,212,000 | 14,316,000 |
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 | 1,993,000 | 3,987,000 | 5,915,000 | 7,690,000 |
| Interest expense | 321,000 | 614,000 | 866,000 | 1,092,000 |
| Net interest income | 1,672,000 | 3,373,000 | 5,049,000 | 6,598,000 |
| Noninterest income | 254,000 | 543,000 | 819,000 | 1,071,000 |
| Noninterest expense | 1,246,000 | 2,481,000 | 3,756,000 | 4,918,000 |
| Provision for loan losses | 46,000 | 92,000 | 115,000 | 115,000 |
| Pretax income | 745,000 | 1,454,000 | 2,108,000 | 2,749,000 |
| Income tax | 248,000 | 485,000 | 702,000 | 869,000 |
| Net income | 497,000 | 969,000 | 1,406,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,598,000 | 13,082,000 | 13,535,000 | 13,914,000 |
| Total capital | 13,719,000 | 14,212,000 | 14,615,000 | 15,000,000 |
| Risk-weighted assets | 89,389,000 | 90,098,000 | 85,974,000 | 86,523,000 |
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