Call reports 2003
GOLD BANK — 2003
What GOLD 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 | 748,692,000 | 792,332,000 | 794,434,000 | 821,036,000 |
| Total loans | 493,588,000 | 521,134,000 | 539,688,000 | 573,093,000 |
| Allowance for loan losses | 5,122,000 | 5,187,000 | 5,423,000 | 5,620,000 |
| Securities available for sale | 151,098,000 | 139,471,000 | 160,599,000 | 164,905,000 |
| Securities held to maturity | 44,910,000 | 41,688,000 | 37,749,000 | 35,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,483,000 | 562,023,000 | 552,182,000 | 595,827,000 |
| Interest-bearing deposits | 455,793,000 | 486,451,000 | 476,437,000 | 496,403,000 |
| Noninterest-bearing deposits | 64,690,000 | 75,572,000 | 75,745,000 | 99,424,000 |
| Equity capital | 54,123,000 | 56,227,000 | 55,901,000 | 57,149,000 |
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 | 9,190,000 | 19,110,000 | 28,748,000 | 38,791,000 |
| Interest expense | 4,148,000 | 8,478,000 | 12,576,000 | 16,041,000 |
| Net interest income | 5,042,000 | 10,632,000 | 16,172,000 | 22,750,000 |
| Noninterest income | 1,656,000 | 3,347,000 | 5,177,000 | 6,866,000 |
| Noninterest expense | 4,787,000 | 9,849,000 | 14,840,000 | 20,085,000 |
| Provision for loan losses | 600,000 | 775,000 | 1,169,000 | 1,874,000 |
| Pretax income | 1,311,000 | 3,341,000 | 5,245,000 | 7,530,000 |
| Income tax | 378,000 | 1,005,000 | 1,593,000 | 2,323,000 |
| Net income | 933,000 | 2,336,000 | 3,652,000 | 5,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,461,000 | 54,864,000 | 56,180,000 | 57,735,000 |
| Total capital | 58,583,000 | 60,051,000 | 61,603,000 | 63,355,000 |
| Risk-weighted assets | 547,737,000 | 582,415,000 | 601,447,000 | 631,244,000 |