Call reports 2003
TRANSACT BANK, NATIONAL ASSOCIATION — 2003
What TRANSACT BANK, NATIONAL ASSOCIATION 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 | 32,513,000 | 33,147,000 | 36,336,000 | 35,610,000 |
| Total loans | 14,825,000 | 15,585,000 | 14,458,000 | 13,819,000 |
| Allowance for loan losses | 243,000 | 240,000 | 240,000 | 244,000 |
| Securities available for sale | 1,000,000 | 0 | 140,000 | 0 |
| Securities held to maturity | 2,480,000 | 2,480,000 | 2,175,000 | 2,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,039,000 | 30,512,000 | 33,587,000 | 33,250,000 |
| Interest-bearing deposits | 21,032,000 | 21,416,000 | 22,341,000 | 22,163,000 |
| Noninterest-bearing deposits | 9,007,000 | 9,096,000 | 11,246,000 | 11,087,000 |
| Equity capital | 2,328,000 | 2,484,000 | 2,568,000 | 2,198,000 |
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 | 375,000 | 747,000 | 1,115,000 | 1,458,000 |
| Interest expense | 35,000 | 69,000 | 99,000 | 124,000 |
| Net interest income | 340,000 | 678,000 | 1,016,000 | 1,334,000 |
| Noninterest income | 72,000 | 153,000 | 228,000 | 306,000 |
| Noninterest expense | 232,000 | 465,000 | 746,000 | 1,139,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 180,000 | 366,000 | 498,000 | 486,000 |
| Income tax | 25,000 | 55,000 | 103,000 | 131,000 |
| Net income | 155,000 | 311,000 | 395,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,328,000 | 2,484,000 | 2,568,000 | 2,198,000 |
| Total capital | 2,543,000 | 2,706,000 | 2,788,000 | 2,408,000 |
| Risk-weighted assets | 17,178,000 | 17,761,000 | 17,540,000 | 16,774,000 |
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