Call reports 2003
EUROBANK — 2003
What EUROBANK 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 | 1,067,523,000 | 1,193,234,000 | 1,200,283,000 | 1,319,550,000 |
| Total loans | 815,679,000 | 828,200,000 | 867,481,000 | 899,392,000 |
| Allowance for loan losses | 7,728,000 | 8,272,000 | 9,085,000 | 9,394,000 |
| Securities available for sale | 154,934,000 | 221,624,000 | 230,222,000 | 324,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 880,297,000 | 945,879,000 | 976,083,000 | 984,576,000 |
| Interest-bearing deposits | 782,735,000 | 846,495,000 | 871,675,000 | 879,791,000 |
| Noninterest-bearing deposits | 97,562,000 | 99,384,000 | 104,408,000 | 104,785,000 |
| Equity capital | 70,409,000 | 72,409,000 | 75,167,000 | 77,256,000 |
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 | 17,267,000 | 34,667,000 | 52,780,000 | 71,516,000 |
| Interest expense | 7,799,000 | 15,590,000 | 23,413,000 | 31,312,000 |
| Net interest income | 9,468,000 | 19,077,000 | 29,367,000 | 40,204,000 |
| Noninterest income | 1,103,000 | 4,375,000 | 6,097,000 | 8,277,000 |
| Noninterest expense | 6,441,000 | 13,648,000 | 20,719,000 | 28,817,000 |
| Provision for loan losses | 563,000 | 2,140,000 | 3,590,000 | 4,920,000 |
| Pretax income | 3,567,000 | 7,664,000 | 11,264,000 | 15,451,000 |
| Income tax | 583,000 | 1,963,000 | 2,965,000 | 3,429,000 |
| Net income | 2,984,000 | 5,701,000 | 8,299,000 | 12,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,317,000 | 69,985,000 | 72,542,000 | 75,638,000 |
| Total capital | 107,620,000 | 110,836,000 | 114,213,000 | 117,614,000 |
| Risk-weighted assets | 872,122,000 | 935,140,000 | 969,099,000 | 1,016,495,000 |