Call reports 2003
TSB BANK — 2003
What TSB 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 | 51,162,000 | 51,263,000 | 50,236,000 | 51,460,000 |
| Total loans | 38,646,000 | 38,613,000 | 37,788,000 | 36,738,000 |
| Allowance for loan losses | 406,000 | 437,000 | 460,000 | 389,000 |
| Securities available for sale | 305,000 | 305,000 | 305,000 | 1,110,000 |
| Securities held to maturity | 5,000,000 | 5,250,000 | 4,600,000 | 5,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,155,000 | 40,160,000 | 40,036,000 | 41,223,000 |
| Interest-bearing deposits | 34,126,000 | 34,011,000 | 34,210,000 | 35,291,000 |
| Noninterest-bearing deposits | 6,029,000 | 6,149,000 | 5,826,000 | 5,932,000 |
| Equity capital | 4,313,000 | 4,414,000 | 4,522,000 | 4,578,000 |
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 | 708,000 | 1,405,000 | 2,104,000 | 2,776,000 |
| Interest expense | 239,000 | 465,000 | 677,000 | 868,000 |
| Net interest income | 469,000 | 940,000 | 1,427,000 | 1,908,000 |
| Noninterest income | 92,000 | 202,000 | 328,000 | 407,000 |
| Noninterest expense | 402,000 | 792,000 | 1,202,000 | 1,618,000 |
| Provision for loan losses | 30,000 | 62,000 | 92,000 | 143,000 |
| Pretax income | 129,000 | 288,000 | 461,000 | 554,000 |
| Income tax | 47,000 | 106,000 | 170,000 | 205,000 |
| Net income | 82,000 | 182,000 | 291,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,312,000 | 4,413,000 | 4,522,000 | 4,580,000 |
| Total capital | 4,719,000 | 4,850,000 | 4,982,000 | 4,969,000 |
| Risk-weighted assets | 41,307,000 | 42,147,000 | 40,880,000 | 42,375,000 |