Call reports 2003
BANNER BANK — 2003
What BANNER 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 | 2,415,277,000 | 2,512,610,000 | 2,498,865,000 | 2,631,086,000 |
| Total loans | 1,590,538,000 | 1,664,115,000 | 1,691,985,000 | 1,726,924,000 |
| Allowance for loan losses | 25,551,000 | 26,075,000 | 26,161,000 | 26,060,000 |
| Securities available for sale | 567,592,000 | 563,969,000 | 592,830,000 | 674,942,000 |
| Securities held to maturity | 11,469,000 | 11,191,000 | 12,528,000 | 25,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,623,935,000 | 1,702,036,000 | 1,725,107,000 | 1,680,049,000 |
| Interest-bearing deposits | 1,431,532,000 | 1,510,685,000 | 1,521,518,000 | 1,474,185,000 |
| Noninterest-bearing deposits | 192,403,000 | 191,351,000 | 203,589,000 | 205,864,000 |
| Equity capital | 220,508,000 | 222,649,000 | 225,850,000 | 237,430,000 |
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 | 34,718,000 | 70,130,000 | 104,652,000 | 140,441,000 |
| Interest expense | 14,821,000 | 29,663,000 | 44,115,000 | 57,844,000 |
| Net interest income | 19,897,000 | 40,467,000 | 60,537,000 | 82,597,000 |
| Noninterest income | 4,575,000 | 9,893,000 | 15,522,000 | 19,220,000 |
| Noninterest expense | 16,352,000 | 33,084,000 | 50,614,000 | 67,813,000 |
| Provision for loan losses | 2,250,000 | 4,500,000 | 5,900,000 | 7,300,000 |
| Pretax income | 5,873,000 | 12,779,000 | 19,563,000 | 26,767,000 |
| Income tax | 1,824,000 | 3,969,000 | 6,099,000 | 8,250,000 |
| Net income | 4,049,000 | 8,810,000 | 13,464,000 | 18,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,096,000 | 182,525,000 | 184,932,000 | 197,528,000 |
| Total capital | 202,149,000 | 206,108,000 | 208,842,000 | 222,254,000 |
| Risk-weighted assets | 1,702,238,000 | 1,828,136,000 | 1,854,982,000 | 1,914,601,000 |