Call reports 2003
INVESTORS BANK & TRUST COMPANY — 2003
What INVESTORS BANK & TRUST COMPANY 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 | 7,700,235,000 | 8,356,333,000 | 8,554,682,000 | 9,222,292,000 |
| Total loans | 107,282,000 | 126,803,000 | 166,888,000 | 199,630,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 3,512,795,000 | 3,693,905,000 | 3,964,129,000 | 4,296,637,000 |
| Securities held to maturity | 3,683,457,000 | 4,020,891,000 | 3,995,519,000 | 4,307,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,864,814,000 | 3,576,421,000 | 3,964,409,000 | 4,211,078,000 |
| Interest-bearing deposits | 2,230,704,000 | 2,712,585,000 | 3,460,980,000 | 3,632,913,000 |
| Noninterest-bearing deposits | 634,110,000 | 863,836,000 | 503,429,000 | 578,165,000 |
| Equity capital | 476,891,000 | 508,881,000 | 528,415,000 | 559,809,000 |
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 | 60,750,000 | 122,347,000 | 181,082,000 | 247,587,000 |
| Interest expense | 20,980,000 | 44,017,000 | 66,518,000 | 90,817,000 |
| Net interest income | 39,770,000 | 78,330,000 | 114,564,000 | 156,770,000 |
| Noninterest income | 73,498,000 | 156,257,000 | 240,444,000 | 335,766,000 |
| Noninterest expense | 84,282,000 | 173,472,000 | 254,270,000 | 344,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,986,000 | 61,115,000 | 100,738,000 | 148,264,000 |
| Income tax | 22,919,000 | 26,309,000 | 38,841,000 | 53,836,000 |
| Net income | 6,067,000 | 34,806,000 | 61,897,000 | 94,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 376,378,000 | 405,425,000 | 432,998,000 | 466,833,000 |
| Total capital | 376,478,000 | 405,525,000 | 433,098,000 | 466,933,000 |
| Risk-weighted assets | 2,076,361,000 | 2,271,156,000 | 2,544,159,000 | 2,653,709,000 |