Call reports 2003
BANCCENTRAL, NATIONAL ASSOCIATION — 2003
What BANCCENTRAL, NATIONAL ASSOCIATION 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 | 173,932,000 | 176,346,000 | 177,962,000 | 180,342,000 |
| Total loans | 102,261,000 | 97,237,000 | 90,387,000 | 95,352,000 |
| Allowance for loan losses | 878,000 | 935,000 | 1,032,000 | 1,050,000 |
| Securities available for sale | 31,518,000 | 39,978,000 | 50,861,000 | 47,507,000 |
| Securities held to maturity | 13,850,000 | 13,411,000 | 10,866,000 | 10,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,376,000 | 145,216,000 | 147,855,000 | 150,679,000 |
| Interest-bearing deposits | 119,890,000 | 120,869,000 | 121,346,000 | 122,373,000 |
| Noninterest-bearing deposits | 23,486,000 | 24,347,000 | 26,509,000 | 28,306,000 |
| Equity capital | 30,193,000 | 30,756,000 | 29,757,000 | 29,367,000 |
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 | 2,410,000 | 4,844,000 | 7,284,000 | 9,740,000 |
| Interest expense | 631,000 | 1,239,000 | 1,791,000 | 2,303,000 |
| Net interest income | 1,779,000 | 3,605,000 | 5,493,000 | 7,437,000 |
| Noninterest income | 243,000 | 482,000 | 730,000 | 1,040,000 |
| Noninterest expense | 1,369,000 | 2,735,000 | 4,135,000 | 5,875,000 |
| Provision for loan losses | 150,000 | 250,000 | 375,000 | 375,000 |
| Pretax income | 522,000 | 1,134,000 | 1,745,000 | 2,303,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 522,000 | 1,134,000 | 1,745,000 | 2,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,056,000 | 25,270,000 | 25,483,000 | 25,581,000 |
| Total capital | 25,934,000 | 26,205,000 | 26,515,000 | 26,631,000 |
| Risk-weighted assets | 117,015,000 | 113,952,000 | 108,349,000 | 112,754,000 |