Call reports 2003
ENTEGRA BANK — 2003
What ENTEGRA 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 | 532,546,000 | 555,957,000 | 568,848,000 | 623,001,000 |
| Total loans | 443,694,000 | 455,574,000 | 473,023,000 | 506,477,000 |
| Allowance for loan losses | 3,314,000 | 3,537,000 | 3,812,000 | 4,042,000 |
| Securities available for sale | 35,199,000 | 40,429,000 | 41,830,000 | 52,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,433,000 | 393,011,000 | 404,514,000 | 427,028,000 |
| Interest-bearing deposits | 355,924,000 | 380,906,000 | 393,968,000 | 415,845,000 |
| Noninterest-bearing deposits | 9,509,000 | 12,105,000 | 10,546,000 | 11,183,000 |
| Equity capital | 40,405,000 | 41,743,000 | 42,811,000 | 47,801,000 |
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 | 8,047,000 | 16,190,000 | 24,320,000 | 32,433,000 |
| Interest expense | 3,216,000 | 6,521,000 | 9,882,000 | 13,093,000 |
| Net interest income | 4,831,000 | 9,669,000 | 14,438,000 | 19,340,000 |
| Noninterest income | 1,783,000 | 3,632,000 | 6,221,000 | 7,554,000 |
| Noninterest expense | 4,016,000 | 8,282,000 | 13,067,000 | 17,277,000 |
| Provision for loan losses | 350,000 | 780,000 | 1,190,000 | 1,530,000 |
| Pretax income | 2,298,000 | 4,407,000 | 6,594,000 | 8,336,000 |
| Income tax | 862,000 | 1,620,000 | 2,407,000 | 3,043,000 |
| Net income | 1,436,000 | 2,787,000 | 4,187,000 | 5,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,143,000 | 41,448,000 | 42,811,000 | 47,908,000 |
| Total capital | 43,457,000 | 44,985,000 | 46,623,000 | 51,950,000 |
| Risk-weighted assets | 415,036,000 | 432,328,000 | 452,347,000 | 487,484,000 |