Call reports 2003
FREESTAR BANK, NATIONAL ASSOCIATION — 2003
What FREESTAR BANK, 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 | 215,083,000 | 224,776,000 | 230,088,000 | 239,590,000 |
| Total loans | 129,154,000 | 131,615,000 | 143,790,000 | 147,326,000 |
| Allowance for loan losses | 2,029,000 | 1,974,000 | 2,000,000 | 2,181,000 |
| Securities available for sale | 67,369,000 | 69,231,000 | 69,162,000 | 69,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,424,000 | 170,727,000 | 165,789,000 | 175,151,000 |
| Interest-bearing deposits | 136,368,000 | 141,905,000 | 139,740,000 | 146,071,000 |
| Noninterest-bearing deposits | 29,056,000 | 28,822,000 | 26,049,000 | 29,080,000 |
| Equity capital | 18,587,000 | 19,118,000 | 19,212,000 | 19,725,000 |
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 | 2,937,000 | 5,754,000 | 8,550,000 | 11,451,000 |
| Interest expense | 1,070,000 | 2,065,000 | 3,043,000 | 3,955,000 |
| Net interest income | 1,867,000 | 3,689,000 | 5,507,000 | 7,496,000 |
| Noninterest income | 948,000 | 2,079,000 | 3,115,000 | 3,936,000 |
| Noninterest expense | 1,907,000 | 3,697,000 | 5,450,000 | 7,254,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 230,000 |
| Pretax income | 848,000 | 2,154,000 | 3,255,000 | 4,018,000 |
| Income tax | 273,000 | 770,000 | 1,003,000 | 1,251,000 |
| Net income | 575,000 | 1,384,000 | 2,252,000 | 2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,119,000 | 16,810,000 | 17,561,000 | 17,602,000 |
| Total capital | 17,815,000 | 18,567,000 | 19,415,000 | 19,501,000 |
| Risk-weighted assets | 135,338,000 | 140,319,000 | 148,141,000 | 151,667,000 |