Call reports 2003
BELL BANK — 2003
What BELL 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 | 666,096,000 | 686,040,000 | 950,979,000 | 993,545,000 |
| Total loans | 548,803,000 | 607,736,000 | 840,299,000 | 890,095,000 |
| Allowance for loan losses | 6,658,000 | 7,110,000 | 9,993,000 | 10,095,000 |
| Securities available for sale | 44,387,000 | 39,454,000 | 60,001,000 | 55,242,000 |
| Securities held to maturity | 5,145,000 | 5,144,000 | 5,771,000 | 5,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,266,000 | 552,615,000 | 788,615,000 | 823,045,000 |
| Interest-bearing deposits | 503,040,000 | 513,791,000 | 732,082,000 | 762,103,000 |
| Noninterest-bearing deposits | 45,226,000 | 38,824,000 | 56,533,000 | 60,942,000 |
| Equity capital | 55,352,000 | 56,308,000 | 77,818,000 | 81,659,000 |
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 | 9,216,000 | 18,578,000 | 37,504,000 | 50,443,000 |
| Interest expense | 2,892,000 | 5,592,000 | 11,437,000 | 15,240,000 |
| Net interest income | 6,324,000 | 12,986,000 | 26,067,000 | 35,203,000 |
| Noninterest income | 1,501,000 | 3,230,000 | 5,736,000 | 6,866,000 |
| Noninterest expense | 4,277,000 | 8,775,000 | 17,571,000 | 23,546,000 |
| Provision for loan losses | 350,000 | 1,075,000 | 1,870,000 | 2,070,000 |
| Pretax income | 3,209,000 | 6,382,000 | 12,378,000 | 16,471,000 |
| Income tax | 1,188,000 | 2,366,000 | 4,666,000 | 6,215,000 |
| Net income | 2,021,000 | 4,016,000 | 7,712,000 | 10,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,837,000 | 55,832,000 | 77,187,000 | 81,230,000 |
| Total capital | 61,495,000 | 62,942,000 | 87,180,000 | 91,325,000 |
| Risk-weighted assets | 569,104,000 | 619,630,000 | 856,068,000 | 909,371,000 |