Call reports 2003
BMW BANK OF NORTH AMERICA — 2003
What BMW BANK OF NORTH AMERICA 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 | 1,076,383,000 | 1,149,732,000 | 1,279,091,000 | 1,111,423,000 |
| Total loans | 1,060,493,000 | 1,135,473,000 | 1,271,250,000 | 1,100,453,000 |
| Allowance for loan losses | 31,226,000 | 32,894,000 | 32,131,000 | 18,174,000 |
| Securities available for sale | 12,685,000 | 13,005,000 | 13,978,000 | 12,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,521,000 | 156,983,000 | 146,602,000 | 121,373,000 |
| Interest-bearing deposits | 167,521,000 | 2,114,000 | 146,602,000 | 121,373,000 |
| Noninterest-bearing deposits | 0 | 154,869,000 | 0 | 0 |
| Equity capital | 102,936,000 | 106,792,000 | 113,027,000 | 116,490,000 |
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 | 19,331,000 | 39,048,000 | 59,889,000 | 74,204,000 |
| Interest expense | 8,065,000 | 15,759,000 | 23,299,000 | 29,029,000 |
| Net interest income | 11,266,000 | 23,289,000 | 36,590,000 | 45,175,000 |
| Noninterest income | 23,148,000 | 45,625,000 | 65,178,000 | 79,378,000 |
| Noninterest expense | 7,358,000 | 14,987,000 | 22,596,000 | 30,953,000 |
| Provision for loan losses | 3,318,000 | 7,971,000 | 10,346,000 | 12,841,000 |
| Pretax income | 23,738,000 | 45,956,000 | 68,826,000 | 80,759,000 |
| Income tax | 9,037,000 | 17,494,000 | 26,212,000 | 30,829,000 |
| Net income | 14,701,000 | 28,462,000 | 42,614,000 | 49,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,810,000 | 106,648,000 | 112,988,000 | 116,412,000 |
| Total capital | 116,420,000 | 121,165,000 | 129,144,000 | 130,323,000 |
| Risk-weighted assets | 1,070,670,000 | 1,142,456,000 | 1,276,496,000 | 1,108,610,000 |
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