Call reports 2003
BANK OF THE WEST, THE — 2003
What BANK OF THE WEST, THE 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 | 94,211,000 | 93,943,000 | 91,772,000 | 98,433,000 |
| Total loans | 83,538,000 | 80,703,000 | 83,290,000 | 91,625,000 |
| Allowance for loan losses | 537,000 | 576,000 | 642,000 | 696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,217,000 | 2,821,000 | 2,356,000 | 2,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,430,000 | 86,261,000 | 83,896,000 | 87,183,000 |
| Interest-bearing deposits | 78,221,000 | 76,674,000 | 74,494,000 | 76,990,000 |
| Noninterest-bearing deposits | 8,209,000 | 9,587,000 | 9,402,000 | 10,193,000 |
| Equity capital | 7,556,000 | 7,432,000 | 7,592,000 | 7,758,000 |
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 | 1,523,000 | 3,048,000 | 4,581,000 | 6,148,000 |
| Interest expense | 425,000 | 828,000 | 1,182,000 | 1,504,000 |
| Net interest income | 1,098,000 | 2,220,000 | 3,399,000 | 4,644,000 |
| Noninterest income | 86,000 | 348,000 | 427,000 | 505,000 |
| Noninterest expense | 606,000 | 1,220,000 | 1,841,000 | 2,507,000 |
| Provision for loan losses | 71,000 | 110,000 | 177,000 | 235,000 |
| Pretax income | 507,000 | 1,238,000 | 1,808,000 | 2,407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 1,238,000 | 1,808,000 | 2,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,556,000 | 7,432,000 | 7,592,000 | 7,758,000 |
| Total capital | 8,093,000 | 8,008,000 | 8,234,000 | 8,454,000 |
| Risk-weighted assets | 79,883,000 | 76,411,000 | 80,064,000 | 84,576,000 |