Call reports 2003
FIRST REGIONAL BANK — 2003
What FIRST REGIONAL 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 | 497,826,000 | 576,415,000 | 639,819,000 | 772,632,000 |
| Total loans | 447,468,000 | 517,099,000 | 573,778,000 | 713,023,000 |
| Allowance for loan losses | 5,800,000 | 6,250,000 | 7,000,000 | 7,800,000 |
| Securities available for sale | 6,825,000 | 5,840,000 | 1,846,000 | 4,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,239,000 | 525,681,000 | 586,606,000 | 664,030,000 |
| Interest-bearing deposits | 271,764,000 | 328,892,000 | 352,054,000 | 411,969,000 |
| Noninterest-bearing deposits | 175,475,000 | 196,789,000 | 234,552,000 | 252,061,000 |
| Equity capital | 43,135,000 | 44,441,000 | 47,167,000 | 62,032,000 |
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 | 6,644,000 | 14,181,000 | 22,540,000 | 31,833,000 |
| Interest expense | 516,000 | 1,203,000 | 1,939,000 | 2,754,000 |
| Net interest income | 6,128,000 | 12,978,000 | 20,601,000 | 29,079,000 |
| Noninterest income | 980,000 | 2,047,000 | 3,114,000 | 4,496,000 |
| Noninterest expense | 5,053,000 | 10,469,000 | 15,718,000 | 21,550,000 |
| Provision for loan losses | 300,000 | 750,000 | 1,750,000 | 3,058,000 |
| Pretax income | 1,755,000 | 3,806,000 | 6,247,000 | 8,967,000 |
| Income tax | 636,000 | 1,381,000 | 2,295,000 | 3,250,000 |
| Net income | 1,119,000 | 2,425,000 | 3,952,000 | 5,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,783,000 | 44,440,000 | 47,167,000 | 62,032,000 |
| Total capital | 48,131,000 | 50,556,000 | 54,119,000 | 69,832,000 |
| Risk-weighted assets | 427,415,000 | 489,183,000 | 556,105,000 | 685,563,000 |