Call reports 2003
INBANK — 2003
What INBANK 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 | 161,555,000 | 154,316,000 | 156,486,000 | 162,138,000 |
| Total loans | 116,114,000 | 109,367,000 | 115,534,000 | 113,078,000 |
| Allowance for loan losses | 1,552,000 | 1,549,000 | 1,556,000 | 1,539,000 |
| Securities available for sale | 37,337,000 | 34,421,000 | 32,811,000 | 30,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,790,000 | 139,641,000 | 141,764,000 | 147,753,000 |
| Interest-bearing deposits | 119,086,000 | 115,278,000 | 113,456,000 | 119,713,000 |
| Noninterest-bearing deposits | 23,704,000 | 24,363,000 | 28,308,000 | 28,040,000 |
| Equity capital | 13,711,000 | 14,029,000 | 13,943,000 | 13,918,000 |
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 | 2,484,000 | 4,996,000 | 7,434,000 | 9,809,000 |
| Interest expense | 542,000 | 1,056,000 | 1,525,000 | 1,966,000 |
| Net interest income | 1,942,000 | 3,940,000 | 5,909,000 | 7,843,000 |
| Noninterest income | 213,000 | 433,000 | 640,000 | 844,000 |
| Noninterest expense | 1,149,000 | 2,396,000 | 3,638,000 | 4,805,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,006,000 | 1,977,000 | 2,911,000 | 3,882,000 |
| Income tax | 357,000 | 703,000 | 1,037,000 | 1,385,000 |
| Net income | 649,000 | 1,274,000 | 1,874,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,892,000 | 13,116,000 | 13,317,000 | 13,440,000 |
| Total capital | 14,359,000 | 14,552,000 | 14,773,000 | 14,884,000 |
| Risk-weighted assets | 117,281,000 | 114,810,000 | 116,417,000 | 115,396,000 |