Call reports 2003
ONE BANK OF TENNESSEE — 2003
What ONE BANK OF TENNESSEE 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 | 216,378,000 | 227,275,000 | 238,539,000 | 242,272,000 |
| Total loans | 103,465,000 | 108,871,000 | 111,568,000 | 114,544,000 |
| Allowance for loan losses | 993,000 | 1,019,000 | 1,029,000 | 1,017,000 |
| Securities available for sale | 82,985,000 | 92,787,000 | 101,525,000 | 104,194,000 |
| Securities held to maturity | 3,732,000 | 2,081,000 | 1,496,000 | 2,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,446,000 | 207,666,000 | 219,193,000 | 223,132,000 |
| Interest-bearing deposits | 176,942,000 | 184,963,000 | 196,764,000 | 199,313,000 |
| Noninterest-bearing deposits | 21,504,000 | 22,703,000 | 22,429,000 | 23,819,000 |
| Equity capital | 17,079,000 | 18,705,000 | 18,411,000 | 18,370,000 |
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 | 2,678,000 | 5,348,000 | 8,033,000 | 10,665,000 |
| Interest expense | 883,000 | 1,718,000 | 2,537,000 | 3,316,000 |
| Net interest income | 1,795,000 | 3,630,000 | 5,496,000 | 7,349,000 |
| Noninterest income | 668,000 | 1,431,000 | 2,160,000 | 2,902,000 |
| Noninterest expense | 1,657,000 | 3,392,000 | 5,167,000 | 6,925,000 |
| Provision for loan losses | 86,000 | 175,000 | 266,000 | 356,000 |
| Pretax income | 720,000 | 1,494,000 | 2,223,000 | 2,970,000 |
| Income tax | 48,000 | 97,000 | 146,000 | 238,000 |
| Net income | 672,000 | 1,397,000 | 2,077,000 | 2,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,119,000 | 17,770,000 | 17,922,000 | 18,101,000 |
| Total capital | 17,112,000 | 18,789,000 | 18,951,000 | 19,118,000 |
| Risk-weighted assets | 92,949,000 | 96,579,000 | 98,345,000 | 99,568,000 |
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