Call reports 2003
TRI COUNTIES BANK — 2003
What TRI COUNTIES 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 | 1,174,931,000 | 1,361,413,000 | 1,441,021,000 | 1,468,831,000 |
| Total loans | 693,773,000 | 852,290,000 | 930,041,000 | 981,241,000 |
| Allowance for loan losses | 13,641,000 | 12,637,000 | 12,618,000 | 12,889,000 |
| Securities available for sale | 349,544,000 | 349,181,000 | 346,031,000 | 311,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,032,995,000 | 1,173,973,000 | 1,204,129,000 | 1,243,010,000 |
| Interest-bearing deposits | 806,278,000 | 912,744,000 | 928,704,000 | 938,362,000 |
| Noninterest-bearing deposits | 226,717,000 | 261,229,000 | 275,425,000 | 304,648,000 |
| Equity capital | 99,326,000 | 123,911,000 | 136,146,000 | 141,649,000 |
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 | 16,345,000 | 34,502,000 | 53,602,000 | 73,952,000 |
| Interest expense | 3,115,000 | 6,560,000 | 9,724,000 | 12,734,000 |
| Net interest income | 13,230,000 | 27,942,000 | 43,878,000 | 61,218,000 |
| Noninterest income | 5,395,000 | 11,849,000 | 16,958,000 | 22,711,000 |
| Noninterest expense | 12,510,000 | 26,850,000 | 40,820,000 | 55,161,000 |
| Provision for loan losses | 189,000 | 173,000 | 299,000 | 1,057,000 |
| Pretax income | 5,926,000 | 12,868,000 | 19,914,000 | 27,908,000 |
| Income tax | 2,258,000 | 4,837,000 | 7,408,000 | 10,506,000 |
| Net income | 3,668,000 | 8,031,000 | 12,506,000 | 17,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,762,000 | 97,189,000 | 111,905,000 | 117,244,000 |
| Total capital | 103,005,000 | 110,590,000 | 125,365,000 | 131,017,000 |
| Risk-weighted assets | 896,400,000 | 1,072,004,000 | 1,142,622,000 | 1,186,581,000 |