Call reports 2003
SIGNATURE BANK — 2003
What SIGNATURE 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 | 98,252,000 | 102,388,000 | 103,659,000 | 108,768,000 |
| Total loans | 69,981,000 | 76,133,000 | 84,485,000 | 90,688,000 |
| Allowance for loan losses | 821,000 | 911,000 | 986,000 | 976,000 |
| Securities available for sale | 9,793,000 | 14,401,000 | 11,306,000 | 10,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,512,000 | 88,808,000 | 90,079,000 | 97,056,000 |
| Interest-bearing deposits | 70,339,000 | 74,051,000 | 74,561,000 | 78,755,000 |
| Noninterest-bearing deposits | 13,173,000 | 14,757,000 | 15,518,000 | 18,301,000 |
| Equity capital | 9,874,000 | 10,000,000 | 10,030,000 | 10,246,000 |
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 | 1,240,000 | 2,540,000 | 3,891,000 | 5,336,000 |
| Interest expense | 415,000 | 862,000 | 1,285,000 | 1,727,000 |
| Net interest income | 825,000 | 1,678,000 | 2,606,000 | 3,609,000 |
| Noninterest income | 109,000 | 189,000 | 292,000 | 429,000 |
| Noninterest expense | 635,000 | 1,323,000 | 2,033,000 | 2,799,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 420,000 |
| Pretax income | 209,000 | 364,000 | 595,000 | 843,000 |
| Income tax | 81,000 | 139,000 | 226,000 | 320,000 |
| Net income | 128,000 | 225,000 | 369,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,821,000 | 9,923,000 | 10,088,000 | 10,295,000 |
| Total capital | 10,642,000 | 10,834,000 | 11,074,000 | 11,271,000 |
| Risk-weighted assets | 74,601,000 | 79,790,000 | 86,484,000 | 91,544,000 |