Call reports 2003
ASCENCIA BANK, INC. — 2003
What ASCENCIA BANK, INC. 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 | 255,856,000 | 246,023,000 | 258,364,000 | 271,805,000 |
| Total loans | 205,714,000 | 195,707,000 | 211,192,000 | 216,254,000 |
| Allowance for loan losses | 2,637,000 | 2,844,000 | 2,879,000 | 3,004,000 |
| Securities available for sale | 43,543,000 | 41,259,000 | 38,059,000 | 40,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,827,000 | 215,591,000 | 209,920,000 | 223,666,000 |
| Interest-bearing deposits | 222,861,000 | 212,549,000 | 206,963,000 | 219,461,000 |
| Noninterest-bearing deposits | 2,966,000 | 3,042,000 | 2,957,000 | 4,205,000 |
| Equity capital | 27,004,000 | 27,613,000 | 27,567,000 | 27,620,000 |
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 | 3,864,000 | 7,545,000 | 11,077,000 | 14,824,000 |
| Interest expense | 1,952,000 | 3,805,000 | 5,557,000 | 7,375,000 |
| Net interest income | 1,912,000 | 3,740,000 | 5,520,000 | 7,449,000 |
| Noninterest income | 116,000 | 389,000 | 484,000 | 655,000 |
| Noninterest expense | 989,000 | 1,908,000 | 2,925,000 | 3,964,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 850,000 |
| Pretax income | 814,000 | 1,837,000 | 2,470,000 | 3,356,000 |
| Income tax | 276,000 | 625,000 | 825,000 | 1,109,000 |
| Net income | 538,000 | 1,212,000 | 1,645,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,276,000 | 26,860,000 | 27,203,000 | 27,205,000 |
| Total capital | 28,842,000 | 29,324,000 | 29,858,000 | 29,927,000 |
| Risk-weighted assets | 205,244,000 | 196,688,000 | 212,177,000 | 217,452,000 |