Call reports 2003
TRUST ONE BANK — 2003
What TRUST ONE 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 | 412,955,000 | 423,545,000 | 422,071,000 | 432,364,000 |
| Total loans | 301,669,000 | 309,268,000 | 314,821,000 | 315,375,000 |
| Allowance for loan losses | 4,099,000 | 4,071,000 | 4,068,000 | 4,103,000 |
| Securities available for sale | 73,712,000 | 77,272,000 | 81,589,000 | 80,793,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,728,000 | 345,158,000 | 339,112,000 | 354,755,000 |
| Interest-bearing deposits | 295,456,000 | 301,206,000 | 302,802,000 | 311,843,000 |
| Noninterest-bearing deposits | 34,272,000 | 43,952,000 | 36,310,000 | 42,912,000 |
| Equity capital | 31,458,000 | 32,371,000 | 31,672,000 | 32,726,000 |
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 | 5,521,000 | 11,064,000 | 16,614,000 | 22,050,000 |
| Interest expense | 2,002,000 | 3,976,000 | 5,644,000 | 7,169,000 |
| Net interest income | 3,519,000 | 7,088,000 | 10,970,000 | 14,881,000 |
| Noninterest income | 248,000 | 624,000 | 979,000 | 1,243,000 |
| Noninterest expense | 1,841,000 | 3,686,000 | 5,552,000 | 7,367,000 |
| Provision for loan losses | 150,000 | 270,000 | 470,000 | 1,162,000 |
| Pretax income | 1,776,000 | 3,779,000 | 5,950,000 | 7,670,000 |
| Income tax | 594,000 | 1,276,000 | 1,993,000 | 2,547,000 |
| Net income | 1,182,000 | 2,503,000 | 3,957,000 | 5,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,734,000 | 31,429,000 | 31,278,000 | 32,385,000 |
| Total capital | 34,791,000 | 35,500,000 | 35,346,000 | 36,488,000 |
| Risk-weighted assets | 324,484,000 | 330,380,000 | 336,389,000 | 341,033,000 |