Call reports 2003
FRAZER BANK — 2003
What FRAZER 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 | 204,612,000 | 215,544,000 | 216,819,000 | 226,509,000 |
| Total loans | 49,645,000 | 55,757,000 | 57,755,000 | 60,900,000 |
| Allowance for loan losses | 444,000 | 515,000 | 450,000 | 478,000 |
| Securities available for sale | 143,191,000 | 146,846,000 | 147,022,000 | 151,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,448,000 | 139,292,000 | 138,639,000 | 148,630,000 |
| Interest-bearing deposits | 119,249,000 | 120,556,000 | 120,042,000 | 127,098,000 |
| Noninterest-bearing deposits | 16,199,000 | 18,736,000 | 18,597,000 | 21,532,000 |
| Equity capital | 23,595,000 | 24,062,000 | 21,505,000 | 21,875,000 |
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 | 2,528,000 | 5,037,000 | 7,389,000 | 10,070,000 |
| Interest expense | 892,000 | 1,783,000 | 2,655,000 | 3,509,000 |
| Net interest income | 1,636,000 | 3,254,000 | 4,734,000 | 6,561,000 |
| Noninterest income | 371,000 | 710,000 | 1,118,000 | 1,540,000 |
| Noninterest expense | 1,216,000 | 2,327,000 | 3,572,000 | 5,002,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 220,000 |
| Pretax income | 810,000 | 1,596,000 | 2,335,000 | 3,094,000 |
| Income tax | 18,000 | 18,000 | 43,000 | 55,000 |
| Net income | 792,000 | 1,578,000 | 2,292,000 | 3,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,988,000 | 20,141,000 | 20,302,000 | 19,927,000 |
| Total capital | 20,432,000 | 20,656,000 | 20,752,000 | 20,405,000 |
| Risk-weighted assets | 79,877,000 | 86,734,000 | 91,306,000 | 96,954,000 |
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