Call reports 2003
HAVEN TRUST BANK — 2003
What HAVEN TRUST 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 | 98,524,000 | 108,368,000 | 113,518,000 | 124,862,000 |
| Total loans | 81,493,000 | 80,998,000 | 89,566,000 | 101,773,000 |
| Allowance for loan losses | 1,036,000 | 1,100,000 | 1,161,000 | 1,211,000 |
| Securities available for sale | 3,512,000 | 4,587,000 | 6,963,000 | 6,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,445,000 | 98,141,000 | 103,110,000 | 108,969,000 |
| Interest-bearing deposits | 81,190,000 | 90,722,000 | 95,388,000 | 101,234,000 |
| Noninterest-bearing deposits | 5,255,000 | 7,419,000 | 7,722,000 | 7,735,000 |
| Equity capital | 7,868,000 | 8,516,000 | 8,738,000 | 8,886,000 |
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 | 1,377,000 | 2,847,000 | 4,394,000 | 6,001,000 |
| Interest expense | 551,000 | 1,115,000 | 1,661,000 | 2,192,000 |
| Net interest income | 826,000 | 1,732,000 | 2,733,000 | 3,809,000 |
| Noninterest income | 84,000 | 639,000 | 946,000 | 1,038,000 |
| Noninterest expense | 536,000 | 1,283,000 | 2,076,000 | 2,934,000 |
| Provision for loan losses | 55,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 310,000 | 953,000 | 1,402,000 | 1,650,000 |
| Income tax | 0 | 0 | 172,000 | 269,000 |
| Net income | 310,000 | 953,000 | 1,230,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,774,000 | 8,416,000 | 8,693,000 | 8,845,000 |
| Total capital | 8,810,000 | 9,516,000 | 9,853,000 | 10,056,000 |
| Risk-weighted assets | 91,176,000 | 92,976,000 | 94,088,000 | 107,215,000 |