Call reports 2003
BANKTRUST — 2003
What BANKTRUST 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 | 150,665,000 | 155,656,000 | 161,617,000 | 192,598,000 |
| Total loans | 121,745,000 | 123,937,000 | 133,400,000 | 142,783,000 |
| Allowance for loan losses | 1,538,000 | 1,652,000 | 1,721,000 | 1,768,000 |
| Securities available for sale | 4,036,000 | 3,938,000 | 4,690,000 | 12,148,000 |
| Securities held to maturity | 7,075,000 | 7,079,000 | 6,957,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,305,000 | 140,848,000 | 141,128,000 | 149,849,000 |
| Interest-bearing deposits | 119,117,000 | 121,654,000 | 122,077,000 | 130,422,000 |
| Noninterest-bearing deposits | 17,188,000 | 19,194,000 | 19,051,000 | 19,427,000 |
| Equity capital | 13,555,000 | 13,906,000 | 14,380,000 | 34,798,000 |
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 | 2,182,000 | 4,535,000 | 6,847,000 | 28,000 |
| Interest expense | 696,000 | 1,356,000 | 2,004,000 | 7,000 |
| Net interest income | 1,486,000 | 3,179,000 | 4,843,000 | 21,000 |
| Noninterest income | 435,000 | 707,000 | 1,055,000 | 4,000 |
| Noninterest expense | 1,234,000 | 2,404,000 | 3,586,000 | 7,000 |
| Provision for loan losses | 10,000 | 137,000 | 242,000 | 0 |
| Pretax income | 677,000 | 1,346,000 | 2,071,000 | 18,000 |
| Income tax | 202,000 | 410,000 | 666,000 | 6,000 |
| Net income | 475,000 | 936,000 | 1,405,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,319,000 | 12,658,000 | 13,127,000 | 13,481,000 |
| Total capital | 13,857,000 | 14,216,000 | 14,798,000 | 15,249,000 |
| Risk-weighted assets | 125,625,000 | 124,573,000 | 133,596,000 | 145,384,000 |