Call reports 2003
BEACH BANK — 2003
What BEACH 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 | 124,823,000 | 134,226,000 | 142,547,000 | 154,497,000 |
| Total loans | 93,888,000 | 94,162,000 | 104,333,000 | 112,870,000 |
| Allowance for loan losses | 1,293,000 | 1,293,000 | 1,360,000 | 1,419,000 |
| Securities available for sale | 18,671,000 | 24,218,000 | 25,796,000 | 29,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,855,000 | 117,657,000 | 126,915,000 | 132,604,000 |
| Interest-bearing deposits | 99,642,000 | 106,135,000 | 114,686,000 | 119,171,000 |
| Noninterest-bearing deposits | 9,213,000 | 11,522,000 | 12,229,000 | 13,433,000 |
| Equity capital | 10,488,000 | 10,859,000 | 12,002,000 | 15,003,000 |
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 | 1,722,000 | 3,501,000 | 5,408,000 | 7,512,000 |
| Interest expense | 658,000 | 1,373,000 | 2,090,000 | 2,838,000 |
| Net interest income | 1,064,000 | 2,128,000 | 3,318,000 | 4,674,000 |
| Noninterest income | 309,000 | 466,000 | 611,000 | 721,000 |
| Noninterest expense | 975,000 | 1,930,000 | 2,922,000 | 4,040,000 |
| Provision for loan losses | 226,000 | 226,000 | 293,000 | 354,000 |
| Pretax income | 171,000 | 437,000 | 702,000 | 987,000 |
| Income tax | 67,000 | -27,000 | 76,000 | 202,000 |
| Net income | 104,000 | 464,000 | 626,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,414,000 | 10,774,000 | 12,071,000 | 15,065,000 |
| Total capital | 11,610,000 | 12,006,000 | 13,405,000 | 16,484,000 |
| Risk-weighted assets | 95,615,000 | 98,522,000 | 106,699,000 | 118,669,000 |
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