Call reports 2003
1ST COLONIAL COMMUNITY BANK — 2003
What 1ST COLONIAL COMMUNITY 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 | 100,714,000 | 108,167,000 | 112,727,000 | 118,715,000 |
| Total loans | 56,809,000 | 59,440,000 | 64,201,000 | 66,831,000 |
| Allowance for loan losses | 637,000 | 695,000 | 750,000 | 768,000 |
| Securities available for sale | 27,874,000 | 26,771,000 | 30,462,000 | 27,679,000 |
| Securities held to maturity | 1,265,000 | 5,091,000 | 5,675,000 | 5,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,771,000 | 95,497,000 | 98,354,000 | 104,366,000 |
| Interest-bearing deposits | 67,291,000 | 75,200,000 | 75,230,000 | 83,918,000 |
| Noninterest-bearing deposits | 18,480,000 | 20,297,000 | 23,124,000 | 20,448,000 |
| Equity capital | 9,227,000 | 9,397,000 | 9,360,000 | 9,491,000 |
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 | 1,162,000 | 2,332,000 | 3,533,000 | 4,764,000 |
| Interest expense | 315,000 | 640,000 | 936,000 | 1,244,000 |
| Net interest income | 847,000 | 1,692,000 | 2,597,000 | 3,520,000 |
| Noninterest income | 61,000 | 143,000 | 234,000 | 294,000 |
| Noninterest expense | 654,000 | 1,324,000 | 2,028,000 | 2,734,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 225,000 |
| Pretax income | 194,000 | 391,000 | 623,000 | 859,000 |
| Income tax | 78,000 | 156,000 | 249,000 | 344,000 |
| Net income | 116,000 | 235,000 | 374,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,165,000 | 9,283,000 | 9,422,000 | 9,564,000 |
| Total capital | 9,802,000 | 9,978,000 | 10,172,000 | 10,332,000 |
| Risk-weighted assets | 61,232,000 | 64,427,000 | 67,883,000 | 70,749,000 |
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