Call reports 2003
FREEDOM BANK — 2003
What FREEDOM 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 | 138,192,000 | 139,324,000 | 144,692,000 | 150,640,000 |
| Total loans | 118,644,000 | 127,982,000 | 135,019,000 | 141,471,000 |
| Allowance for loan losses | 1,295,000 | 1,383,000 | 1,484,000 | 1,582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,509,000 | 118,420,000 | 123,324,000 | 128,943,000 |
| Interest-bearing deposits | 106,653,000 | 106,708,000 | 109,229,000 | 115,118,000 |
| Noninterest-bearing deposits | 11,856,000 | 11,712,000 | 14,095,000 | 13,825,000 |
| Equity capital | 11,531,000 | 11,932,000 | 12,352,000 | 12,711,000 |
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 | 1,918,000 | 3,903,000 | 5,922,000 | 7,969,000 |
| Interest expense | 831,000 | 1,653,000 | 2,452,000 | 3,272,000 |
| Net interest income | 1,087,000 | 2,250,000 | 3,470,000 | 4,697,000 |
| Noninterest income | 275,000 | 577,000 | 892,000 | 1,086,000 |
| Noninterest expense | 677,000 | 1,394,000 | 2,136,000 | 2,860,000 |
| Provision for loan losses | 90,000 | 185,000 | 290,000 | 395,000 |
| Pretax income | 595,000 | 1,248,000 | 1,936,000 | 2,528,000 |
| Income tax | 242,000 | 501,000 | 776,000 | 1,015,000 |
| Net income | 353,000 | 747,000 | 1,160,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,531,000 | 11,932,000 | 12,352,000 | 12,711,000 |
| Total capital | 12,826,000 | 13,315,000 | 13,828,000 | 14,230,000 |
| Risk-weighted assets | 106,356,000 | 112,217,000 | 118,055,000 | 121,493,000 |
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