Call reports 2003
FIRST BANK OF DELAWARE — 2003
What FIRST BANK OF DELAWARE 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 | 51,020,000 | 56,907,000 | 50,414,000 | 44,537,000 |
| Total loans | 30,767,000 | 33,490,000 | 31,164,000 | 28,394,000 |
| Allowance for loan losses | 632,000 | 738,000 | 1,324,000 | 1,363,000 |
| Securities available for sale | 2,190,000 | 2,435,000 | 2,075,000 | 1,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,056,000 | 39,135,000 | 35,926,000 | 33,247,000 |
| Interest-bearing deposits | 25,454,000 | 30,019,000 | 26,751,000 | 25,507,000 |
| Noninterest-bearing deposits | 10,602,000 | 9,116,000 | 9,175,000 | 7,740,000 |
| Equity capital | 6,317,000 | 6,643,000 | 7,319,000 | 8,061,000 |
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 | 724,000 | 1,249,000 | 1,961,000 | 2,608,000 |
| Interest expense | 170,000 | 303,000 | 427,000 | 504,000 |
| Net interest income | 554,000 | 946,000 | 1,534,000 | 2,104,000 |
| Noninterest income | 1,342,000 | 2,559,000 | 4,689,000 | 6,882,000 |
| Noninterest expense | 1,080,000 | 2,113,000 | 3,065,000 | 4,435,000 |
| Provision for loan losses | 66,000 | 171,000 | 818,000 | 937,000 |
| Pretax income | 750,000 | 1,221,000 | 2,340,000 | 3,614,000 |
| Income tax | 289,000 | 432,000 | 864,000 | 1,390,000 |
| Net income | 461,000 | 789,000 | 1,476,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,262,000 | 6,590,000 | 7,277,000 | 8,025,000 |
| Total capital | 6,652,000 | 7,029,000 | 7,702,000 | 8,399,000 |
| Risk-weighted assets | 30,995,000 | 34,857,000 | 33,135,000 | 28,906,000 |