Call reports 2003
OCEAN BANK — 2003
What OCEAN 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 | 4,152,443,000 | 4,192,666,000 | 4,245,273,000 | 4,269,339,000 |
| Total loans | 2,991,458,000 | 3,051,055,000 | 3,170,826,000 | 3,267,633,000 |
| Allowance for loan losses | 80,929,000 | 80,985,000 | 84,431,000 | 93,539,000 |
| Securities available for sale | 506,477,000 | 518,096,000 | 535,065,000 | 460,055,000 |
| Securities held to maturity | 365,986,000 | 435,480,000 | 363,670,000 | 299,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,675,275,000 | 3,703,649,000 | 3,743,412,000 | 3,750,696,000 |
| Interest-bearing deposits | 3,536,274,000 | 3,570,433,000 | 3,593,873,000 | 3,589,603,000 |
| Noninterest-bearing deposits | 139,001,000 | 133,216,000 | 149,539,000 | 161,093,000 |
| Equity capital | 329,997,000 | 342,162,000 | 359,258,000 | 368,221,000 |
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 | 57,229,000 | 114,802,000 | 173,437,000 | 231,205,000 |
| Interest expense | 15,248,000 | 29,756,000 | 42,533,000 | 54,787,000 |
| Net interest income | 41,981,000 | 85,046,000 | 130,904,000 | 176,418,000 |
| Noninterest income | 8,793,000 | 17,929,000 | 31,561,000 | 40,551,000 |
| Noninterest expense | 23,496,000 | 46,720,000 | 70,329,000 | 95,274,000 |
| Provision for loan losses | 11,000,000 | 19,000,000 | 25,000,000 | 38,064,000 |
| Pretax income | 16,293,000 | 37,271,000 | 67,152,000 | 83,647,000 |
| Income tax | 6,243,000 | 14,206,000 | 25,632,000 | 31,635,000 |
| Net income | 10,050,000 | 23,065,000 | 41,520,000 | 52,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 319,759,000 | 334,059,000 | 354,349,000 | 358,532,000 |
| Total capital | 359,071,000 | 374,316,000 | 395,883,000 | 400,677,000 |
| Risk-weighted assets | 3,103,220,000 | 3,179,774,000 | 3,279,709,000 | 3,320,140,000 |
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