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 | 145,341,000 | 149,375,000 | 156,332,000 | 161,189,000 |
| Total loans | 99,843,000 | 101,867,000 | 107,842,000 | 114,544,000 |
| Allowance for loan losses | 1,205,000 | 1,205,000 | 1,221,000 | 1,114,000 |
| Securities available for sale | 33,246,000 | 35,276,000 | 40,555,000 | 39,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,920,000 | 128,526,000 | 130,164,000 | 134,820,000 |
| Interest-bearing deposits | 113,036,000 | 114,144,000 | 115,123,000 | 120,070,000 |
| Noninterest-bearing deposits | 12,884,000 | 14,382,000 | 15,041,000 | 14,750,000 |
| Equity capital | 10,617,000 | 10,779,000 | 11,663,000 | 11,779,000 |
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 | 2,180,000 | 4,316,000 | 6,610,000 | 8,991,000 |
| Interest expense | 436,000 | 894,000 | 1,335,000 | 1,757,000 |
| Net interest income | 1,744,000 | 3,422,000 | 5,275,000 | 7,234,000 |
| Noninterest income | 437,000 | 983,000 | 1,446,000 | 1,808,000 |
| Noninterest expense | 1,216,000 | 2,475,000 | 3,701,000 | 5,233,000 |
| Provision for loan losses | 30,000 | 30,000 | 40,000 | 60,000 |
| Pretax income | 936,000 | 1,901,000 | 2,981,000 | 3,716,000 |
| Income tax | 11,000 | 22,000 | 35,000 | 41,000 |
| Net income | 923,000 | 1,871,000 | 2,960,000 | 3,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,482,000 | 10,590,000 | 11,639,000 | 11,828,000 |
| Total capital | 11,687,000 | 11,795,000 | 12,926,000 | 12,992,000 |
| Risk-weighted assets | 111,198,000 | 113,805,000 | 120,308,000 | 126,114,000 |