Call reports 2003
BANK OF GUAM — 2003
What BANK OF GUAM 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 | 737,119,000 | 720,940,000 | 739,217,000 | 703,924,000 |
| Total loans | 371,917,000 | 373,059,000 | 367,562,000 | 365,087,000 |
| Allowance for loan losses | 7,161,000 | 7,223,000 | 7,272,000 | 6,993,000 |
| Securities available for sale | 241,931,000 | 254,026,000 | 264,558,000 | 245,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,836,000 | 524,934,000 | 543,671,000 | 529,394,000 |
| Interest-bearing deposits | 391,482,000 | 394,458,000 | 397,077,000 | 394,303,000 |
| Noninterest-bearing deposits | 147,354,000 | 130,476,000 | 146,594,000 | 135,092,000 |
| Equity capital | 84,794,000 | 85,064,000 | 64,862,000 | 64,068,000 |
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 | 8,276,000 | 16,920,000 | 25,694,000 | 34,479,000 |
| Interest expense | 1,312,000 | 2,537,000 | 3,608,000 | 4,577,000 |
| Net interest income | 6,964,000 | 14,383,000 | 22,086,000 | 29,902,000 |
| Noninterest income | 3,023,000 | 6,149,000 | 9,280,000 | 12,392,000 |
| Noninterest expense | 7,958,000 | 16,253,000 | 26,163,000 | 34,295,000 |
| Provision for loan losses | 900,000 | 1,650,000 | 2,400,000 | 3,150,000 |
| Pretax income | 1,129,000 | 2,614,000 | 2,788,000 | 4,882,000 |
| Income tax | 84,000 | 206,000 | 17,892,000 | 19,284,000 |
| Net income | 1,045,000 | 2,408,000 | -15,104,000 | -14,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,043,000 | 81,179,000 | 64,671,000 | 65,040,000 |
| Total capital | 87,556,000 | 87,427,000 | 70,762,000 | 70,734,000 |
| Risk-weighted assets | 439,331,000 | 433,979,000 | 437,456,000 | 421,819,000 |
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