Call reports 2003
BB&T FINANCIAL, FSB — 2003
What BB&T FINANCIAL, FSB 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 | 84,801,000 | 98,525,000 | 125,377,000 | 168,007,000 |
| Total loans | 86,210,000 | 88,367,000 | 90,291,000 | 97,023,000 |
| Allowance for loan losses | 3,445,000 | 3,531,000 | 3,608,000 | 3,877,000 |
| Securities available for sale | 1,027,000 | 1,041,000 | 1,029,000 | 1,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,097,000 | 597,000 | 601,000 | 594,000 |
| Interest-bearing deposits | 1,500,000 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 597,000 | 597,000 | 601,000 | 594,000 |
| Equity capital | 21,772,000 | 22,598,000 | 38,748,000 | 38,856,000 |
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 | 1,972,000 | 3,958,000 | 5,976,000 | 8,038,000 |
| Interest expense | 204,000 | 398,000 | 582,000 | 785,000 |
| Net interest income | 1,768,000 | 3,560,000 | 5,394,000 | 7,253,000 |
| Noninterest income | 1,625,000 | 3,465,000 | 5,733,000 | 8,167,000 |
| Noninterest expense | 1,244,000 | 2,530,000 | 5,350,000 | 8,358,000 |
| Provision for loan losses | 821,000 | 1,804,000 | 2,828,000 | 3,947,000 |
| Pretax income | 1,328,000 | 2,691,000 | 2,949,000 | 3,115,000 |
| Income tax | 532,000 | 1,077,000 | 1,177,000 | 1,238,000 |
| Net income | 796,000 | 1,614,000 | 1,772,000 | 1,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,747,000 | 22,565,000 | 14,496,000 | 15,959,000 |
| Total capital | 22,842,000 | 23,764,000 | 15,738,000 | 17,571,000 |
| Risk-weighted assets | 85,288,000 | 93,616,000 | 96,828,000 | 126,541,000 |