Call reports 2003
BLC BANK NATIONAL ASSOCIATION — 2003
What BLC BANK NATIONAL ASSOCIATION 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 | 1,405,919,000 | 1,466,741,000 | 1,507,969,000 | 1,523,298,000 |
| Total loans | 867,281,000 | 940,432,000 | 996,592,000 | 1,004,047,000 |
| Allowance for loan losses | 9,628,000 | 9,820,000 | 10,200,000 | 10,787,000 |
| Securities available for sale | 299,143,000 | 296,965,000 | 318,095,000 | 307,088,000 |
| Securities held to maturity | 27,532,000 | 25,418,000 | 24,798,000 | 23,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,084,190,000 | 1,119,085,000 | 1,126,767,000 | 1,138,739,000 |
| Interest-bearing deposits | 939,189,000 | 952,157,000 | 964,870,000 | 960,620,000 |
| Noninterest-bearing deposits | 145,001,000 | 166,928,000 | 161,897,000 | 178,119,000 |
| Equity capital | 150,681,000 | 167,551,000 | 166,941,000 | 171,448,000 |
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 | 20,671,000 | 41,716,000 | 63,631,000 | 86,140,000 |
| Interest expense | 6,416,000 | 12,636,000 | 18,416,000 | 24,627,000 |
| Net interest income | 14,255,000 | 29,080,000 | 45,215,000 | 61,513,000 |
| Noninterest income | 10,069,000 | 20,338,000 | 31,164,000 | 42,344,000 |
| Noninterest expense | 15,922,000 | 32,468,000 | 49,925,000 | 67,310,000 |
| Provision for loan losses | 710,000 | 1,370,000 | 2,120,000 | 2,810,000 |
| Pretax income | 7,681,000 | 15,539,000 | 24,613,000 | 34,098,000 |
| Income tax | 2,227,000 | 4,393,000 | 6,982,000 | 9,791,000 |
| Net income | 5,454,000 | 11,146,000 | 17,631,000 | 24,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,116,000 | 136,346,000 | 140,350,000 | 144,523,000 |
| Total capital | 134,283,000 | 147,823,000 | 152,147,000 | 156,863,000 |
| Risk-weighted assets | 1,158,081,000 | 1,214,610,000 | 1,270,342,000 | 1,270,371,000 |