Call reports 2003
ABBYBANK — 2003
What ABBYBANK 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 | 173,113,000 | 178,767,000 | 179,280,000 | 176,266,000 |
| Total loans | 139,392,000 | 138,787,000 | 141,528,000 | 143,706,000 |
| Allowance for loan losses | 2,145,000 | 2,215,000 | 2,280,000 | 2,237,000 |
| Securities available for sale | 26,375,000 | 26,555,000 | 27,582,000 | 28,171,000 |
| Securities held to maturity | 376,000 | 345,000 | 345,000 | 314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,106,000 | 148,163,000 | 148,691,000 | 145,000,000 |
| Interest-bearing deposits | 134,648,000 | 135,992,000 | 135,379,000 | 133,337,000 |
| Noninterest-bearing deposits | 9,458,000 | 12,171,000 | 13,312,000 | 11,663,000 |
| Equity capital | 16,589,000 | 17,562,000 | 17,871,000 | 17,588,000 |
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 | 2,645,000 | 5,252,000 | 7,728,000 | 10,155,000 |
| Interest expense | 1,178,000 | 2,248,000 | 3,233,000 | 4,163,000 |
| Net interest income | 1,467,000 | 3,004,000 | 4,495,000 | 5,992,000 |
| Noninterest income | 334,000 | 782,000 | 1,204,000 | 1,468,000 |
| Noninterest expense | 948,000 | 1,867,000 | 2,822,000 | 3,782,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 778,000 | 1,769,000 | 2,652,000 | 3,385,000 |
| Income tax | 218,000 | 519,000 | 776,000 | 979,000 |
| Net income | 560,000 | 1,250,000 | 1,876,000 | 2,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,945,000 | 16,635,000 | 17,260,000 | 16,965,000 |
| Total capital | 17,595,000 | 18,332,000 | 18,968,000 | 18,666,000 |
| Risk-weighted assets | 131,469,000 | 135,241,000 | 136,052,000 | 135,521,000 |