Call reports 2003
KITSAP BANK — 2003
What KITSAP 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 | 501,804,000 | 508,844,000 | 513,098,000 | 512,418,000 |
| Total loans | 394,218,000 | 397,420,000 | 392,088,000 | 400,259,000 |
| Allowance for loan losses | 3,828,000 | 3,894,000 | 4,076,000 | 4,153,000 |
| Securities available for sale | 23,324,000 | 23,702,000 | 27,041,000 | 32,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,605,000 | 416,947,000 | 420,239,000 | 419,473,000 |
| Interest-bearing deposits | 337,388,000 | 341,071,000 | 339,355,000 | 334,016,000 |
| Noninterest-bearing deposits | 74,217,000 | 75,876,000 | 80,884,000 | 85,457,000 |
| Equity capital | 50,903,000 | 51,804,000 | 52,622,000 | 52,930,000 |
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 | 7,644,000 | 15,461,000 | 23,021,000 | 30,343,000 |
| Interest expense | 1,682,000 | 3,259,000 | 4,738,000 | 6,192,000 |
| Net interest income | 5,962,000 | 12,202,000 | 18,283,000 | 24,151,000 |
| Noninterest income | 1,561,000 | 3,204,000 | 4,958,000 | 6,284,000 |
| Noninterest expense | 4,801,000 | 9,769,000 | 14,808,000 | 19,772,000 |
| Provision for loan losses | 300,000 | 700,000 | 960,000 | 1,080,000 |
| Pretax income | 2,422,000 | 4,937,000 | 7,473,000 | 9,583,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,422,000 | 4,937,000 | 7,473,000 | 9,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,225,000 | 47,076,000 | 47,943,000 | 48,375,000 |
| Total capital | 50,053,000 | 50,970,000 | 52,019,000 | 52,528,000 |
| Risk-weighted assets | 394,018,000 | 405,588,000 | 407,938,000 | 417,825,000 |
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