Call reports 2003
TRADERS BANK — 2003
What TRADERS 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 | 114,768,000 | 119,414,000 | 117,831,000 | 114,809,000 |
| Total loans | 84,464,000 | 86,209,000 | 88,161,000 | 90,035,000 |
| Allowance for loan losses | 982,000 | 850,000 | 818,000 | 900,000 |
| Securities available for sale | 7,807,000 | 7,667,000 | 7,772,000 | 7,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,958,000 | 109,431,000 | 107,626,000 | 104,746,000 |
| Interest-bearing deposits | 85,066,000 | 88,210,000 | 85,676,000 | 84,846,000 |
| Noninterest-bearing deposits | 19,892,000 | 21,221,000 | 21,950,000 | 19,900,000 |
| Equity capital | 9,409,000 | 9,575,000 | 9,865,000 | 9,548,000 |
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 | 1,455,000 | 2,887,000 | 4,352,000 | 5,690,000 |
| Interest expense | 468,000 | 894,000 | 1,285,000 | 1,633,000 |
| Net interest income | 987,000 | 1,993,000 | 3,067,000 | 4,057,000 |
| Noninterest income | 321,000 | 676,000 | 960,000 | 1,236,000 |
| Noninterest expense | 774,000 | 1,504,000 | 2,374,000 | 3,245,000 |
| Provision for loan losses | 60,000 | 325,000 | 385,000 | 803,000 |
| Pretax income | 474,000 | 840,000 | 1,268,000 | 1,247,000 |
| Income tax | 38,000 | 63,000 | 88,000 | 65,000 |
| Net income | 436,000 | 777,000 | 1,180,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,136,000 | 9,215,000 | 9,617,000 | 9,320,000 |
| Total capital | 10,099,000 | 10,065,000 | 10,435,000 | 10,220,000 |
| Risk-weighted assets | 77,323,000 | 79,644,000 | 80,568,000 | 81,303,000 |