Call reports 2003
CREDICARD NATIONAL BANK — 2003
What CREDICARD NATIONAL 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 | 10,255,000 | 7,793,000 | 8,174,000 | 10,168,000 |
| Total loans | 6,863,000 | 6,395,000 | 7,079,000 | 7,994,000 |
| Allowance for loan losses | 115,000 | 115,000 | 115,000 | 115,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,543,000 | 5,078,000 | 5,422,000 | 7,371,000 |
| Interest-bearing deposits | 7,136,000 | 4,779,000 | 4,969,000 | 7,117,000 |
| Noninterest-bearing deposits | 407,000 | 299,000 | 453,000 | 254,000 |
| Equity capital | 2,690,000 | 2,699,000 | 2,722,000 | 2,766,000 |
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 | 400,000 | 792,000 | 1,197,000 | 1,630,000 |
| Interest expense | 67,000 | 132,000 | 187,000 | 251,000 |
| Net interest income | 333,000 | 660,000 | 1,010,000 | 1,379,000 |
| Noninterest income | 10,000 | 13,000 | 17,000 | 19,000 |
| Noninterest expense | 294,000 | 598,000 | 911,000 | 1,229,000 |
| Provision for loan losses | 24,000 | 41,000 | 59,000 | 68,000 |
| Pretax income | 25,000 | 34,000 | 57,000 | 101,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 25,000 | 34,000 | 57,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,690,000 | 2,699,000 | 2,722,000 | 2,766,000 |
| Total capital | 2,791,000 | 2,790,000 | 2,820,000 | 2,878,000 |
| Risk-weighted assets | 8,059,000 | 7,234,000 | 7,845,000 | 8,930,000 |