Call reports 2003
FREEDOM FINANCIAL BANK — 2003
What FREEDOM FINANCIAL 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 | 56,265,000 | 58,923,000 | 61,275,000 | 62,349,000 |
| Total loans | 47,735,000 | 48,527,000 | 51,231,000 | 55,851,000 |
| Allowance for loan losses | 504,000 | 551,000 | 569,000 | 605,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,194,000 | 48,677,000 | 51,754,000 | 53,034,000 |
| Interest-bearing deposits | 41,741,000 | 42,046,000 | 42,954,000 | 46,079,000 |
| Noninterest-bearing deposits | 4,453,000 | 6,631,000 | 8,800,000 | 6,955,000 |
| Equity capital | 5,840,000 | 5,988,000 | 6,083,000 | 5,885,000 |
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 | 901,000 | 1,734,000 | 2,525,000 | 3,384,000 |
| Interest expense | 348,000 | 700,000 | 1,043,000 | 1,394,000 |
| Net interest income | 553,000 | 1,034,000 | 1,482,000 | 1,990,000 |
| Noninterest income | 18,000 | 34,000 | 55,000 | 75,000 |
| Noninterest expense | 353,000 | 682,000 | 1,041,000 | 1,382,000 |
| Provision for loan losses | 60,000 | 80,000 | 95,000 | 130,000 |
| Pretax income | 158,000 | 306,000 | 401,000 | 553,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 306,000 | 401,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,840,000 | 5,988,000 | 6,083,000 | 5,885,000 |
| Total capital | 6,344,000 | 6,539,000 | 6,652,000 | 6,490,000 |
| Risk-weighted assets | 54,544,000 | 55,469,000 | 59,515,000 | 62,579,000 |
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