Call reports 2003
GLACIER BANK — 2003
What GLACIER 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 | 507,853,000 | 551,650,000 | 570,347,000 | 595,778,000 |
| Total loans | 325,195,000 | 348,871,000 | 347,320,000 | 334,284,000 |
| Allowance for loan losses | 4,225,000 | 4,283,000 | 4,376,000 | 4,271,000 |
| Securities available for sale | 130,685,000 | 149,533,000 | 183,264,000 | 203,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,353,000 | 345,924,000 | 345,777,000 | 358,600,000 |
| Interest-bearing deposits | 249,707,000 | 256,727,000 | 251,795,000 | 259,004,000 |
| Noninterest-bearing deposits | 82,646,000 | 89,197,000 | 93,982,000 | 99,596,000 |
| Equity capital | 54,417,000 | 56,701,000 | 56,831,000 | 58,703,000 |
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 | 7,320,000 | 14,754,000 | 22,149,000 | 29,646,000 |
| Interest expense | 1,639,000 | 3,148,000 | 4,623,000 | 6,085,000 |
| Net interest income | 5,681,000 | 11,606,000 | 17,526,000 | 23,561,000 |
| Noninterest income | 1,768,000 | 3,632,000 | 5,571,000 | 7,289,000 |
| Noninterest expense | 3,397,000 | 6,967,000 | 10,604,000 | 14,357,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 375,000 |
| Pretax income | 3,977,000 | 7,790,000 | 11,862,000 | 15,787,000 |
| Income tax | 1,385,000 | 2,700,000 | 4,121,000 | 5,437,000 |
| Net income | 2,592,000 | 5,090,000 | 7,741,000 | 10,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,829,000 | 48,203,000 | 49,630,000 | 51,010,000 |
| Total capital | 51,054,000 | 52,486,000 | 54,006,000 | 55,281,000 |
| Risk-weighted assets | 345,824,000 | 367,257,000 | 376,612,000 | 370,941,000 |
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