Call reports 2003
PARAGON BANK — 2003
What PARAGON 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 | 34,425,000 | 34,394,000 | 35,918,000 | 37,252,000 |
| Total loans | 29,058,000 | 31,270,000 | 32,908,000 | 34,125,000 |
| Allowance for loan losses | 352,000 | 370,000 | 391,000 | 423,000 |
| Securities available for sale | 547,000 | 344,000 | 124,000 | 122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,327,000 | 31,229,000 | 30,678,000 | 32,802,000 |
| Interest-bearing deposits | 25,889,000 | 27,915,000 | 27,345,000 | 29,396,000 |
| Noninterest-bearing deposits | 3,438,000 | 3,314,000 | 3,333,000 | 3,406,000 |
| Equity capital | 2,909,000 | 3,001,000 | 2,913,000 | 3,007,000 |
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 | 566,000 | 1,160,000 | 1,783,000 | 2,433,000 |
| Interest expense | 170,000 | 328,000 | 458,000 | 578,000 |
| Net interest income | 396,000 | 832,000 | 1,325,000 | 1,855,000 |
| Noninterest income | 65,000 | 142,000 | 210,000 | 274,000 |
| Noninterest expense | 309,000 | 622,000 | 935,000 | 1,321,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 195,000 |
| Pretax income | 107,000 | 262,000 | 450,000 | 613,000 |
| Income tax | 43,000 | 106,000 | 181,000 | 248,000 |
| Net income | 64,000 | 156,000 | 269,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,909,000 | 3,001,000 | 2,913,000 | 3,007,000 |
| Total capital | 3,261,000 | 3,371,000 | 3,302,000 | 3,381,000 |
| Risk-weighted assets | 28,465,000 | 29,782,000 | 31,093,000 | 29,838,000 |
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