Call reports 2003
BAKER BOYER NATIONAL BANK — 2003
What BAKER BOYER NATIONAL 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 | 396,205,000 | 388,661,000 | 386,848,000 | 388,686,000 |
| Total loans | 273,668,000 | 268,569,000 | 261,775,000 | 259,881,000 |
| Allowance for loan losses | 2,410,000 | 4,278,000 | 4,443,000 | 3,523,000 |
| Securities available for sale | 36,609,000 | 55,680,000 | 55,021,000 | 57,146,000 |
| Securities held to maturity | 36,740,000 | 42,342,000 | 39,987,000 | 35,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,870,000 | 344,051,000 | 347,077,000 | 349,313,000 |
| Interest-bearing deposits | 284,278,000 | 282,391,000 | 279,651,000 | 280,398,000 |
| Noninterest-bearing deposits | 64,592,000 | 61,659,000 | 67,426,000 | 68,915,000 |
| Equity capital | 33,857,000 | 33,158,000 | 31,477,000 | 31,167,000 |
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 | 5,582,000 | 10,910,000 | 16,339,000 | 21,489,000 |
| Interest expense | 1,463,000 | 2,848,000 | 4,118,000 | 5,321,000 |
| Net interest income | 4,119,000 | 8,062,000 | 12,221,000 | 16,168,000 |
| Noninterest income | 1,369,000 | 2,870,000 | 4,417,000 | 6,215,000 |
| Noninterest expense | 3,823,000 | 7,735,000 | 11,450,000 | 15,462,000 |
| Provision for loan losses | 155,000 | 2,095,000 | 4,461,000 | 6,061,000 |
| Pretax income | 1,510,000 | 1,102,000 | 829,000 | 962,000 |
| Income tax | 373,000 | 68,000 | -191,000 | -304,000 |
| Net income | 1,137,000 | 1,034,000 | 1,020,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,879,000 | 31,997,000 | 31,316,000 | 30,794,000 |
| Total capital | 35,571,000 | 36,007,000 | 35,257,000 | 34,568,000 |
| Risk-weighted assets | 304,914,000 | 300,181,000 | 295,321,000 | 293,084,000 |
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