Call reports 2003
TALMER WEST BANK — 2003
What TALMER WEST 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 | 325,946,000 | 329,110,000 | 326,527,000 | 329,191,000 |
| Total loans | 284,640,000 | 286,739,000 | 281,335,000 | 292,123,000 |
| Allowance for loan losses | 4,025,000 | 3,800,000 | 4,050,000 | 3,912,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,504,000 | 274,523,000 | 271,595,000 | 276,071,000 |
| Interest-bearing deposits | 216,613,000 | 216,262,000 | 214,055,000 | 227,041,000 |
| Noninterest-bearing deposits | 54,891,000 | 58,261,000 | 57,540,000 | 49,030,000 |
| Equity capital | 24,106,000 | 24,599,000 | 24,850,000 | 25,262,000 |
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 | 5,131,000 | 10,158,000 | 15,068,000 | 19,850,000 |
| Interest expense | 1,659,000 | 3,327,000 | 4,894,000 | 6,376,000 |
| Net interest income | 3,472,000 | 6,831,000 | 10,174,000 | 13,474,000 |
| Noninterest income | 697,000 | 1,511,000 | 2,311,000 | 2,872,000 |
| Noninterest expense | 1,981,000 | 3,924,000 | 5,958,000 | 7,861,000 |
| Provision for loan losses | 192,000 | 502,000 | 1,052,000 | 1,212,000 |
| Pretax income | 1,996,000 | 3,916,000 | 5,475,000 | 7,273,000 |
| Income tax | 677,000 | 1,329,000 | 1,862,000 | 2,473,000 |
| Net income | 1,319,000 | 2,587,000 | 3,613,000 | 4,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,106,000 | 24,599,000 | 24,850,000 | 25,262,000 |
| Total capital | 27,559,000 | 28,077,000 | 28,305,000 | 28,860,000 |
| Risk-weighted assets | 275,647,000 | 277,915,000 | 275,768,000 | 287,542,000 |