Call reports 2003
TIME BANK — 2003
What TIME 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 | 162,647,000 | 168,566,000 | 170,845,000 | 173,777,000 |
| Total loans | 108,168,000 | 117,019,000 | 119,367,000 | 119,489,000 |
| Allowance for loan losses | 1,626,000 | 1,683,000 | 1,728,000 | 1,773,000 |
| Securities available for sale | 42,446,000 | 40,550,000 | 37,756,000 | 38,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,173,000 | 147,696,000 | 149,567,000 | 153,206,000 |
| Interest-bearing deposits | 124,347,000 | 128,982,000 | 129,572,000 | 130,722,000 |
| Noninterest-bearing deposits | 19,826,000 | 18,714,000 | 19,995,000 | 22,484,000 |
| Equity capital | 14,629,000 | 15,319,000 | 15,760,000 | 16,174,000 |
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 | 2,210,000 | 4,447,000 | 6,721,000 | 8,902,000 |
| Interest expense | 617,000 | 1,184,000 | 1,705,000 | 2,204,000 |
| Net interest income | 1,593,000 | 3,263,000 | 5,016,000 | 6,698,000 |
| Noninterest income | 104,000 | 186,000 | 268,000 | 342,000 |
| Noninterest expense | 635,000 | 1,272,000 | 1,936,000 | 2,662,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,017,000 | 2,087,000 | 3,213,000 | 4,198,000 |
| Income tax | 646,000 | 646,000 | 620,000 | 620,000 |
| Net income | 371,000 | 1,441,000 | 2,593,000 | 3,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,462,000 | 14,531,000 | 15,222,000 | 15,786,000 |
| Total capital | 14,731,000 | 15,918,000 | 16,784,000 | 17,244,000 |
| Risk-weighted assets | 101,160,000 | 110,643,000 | 124,814,000 | 116,331,000 |