Call reports 2003
GLACIER BANK OF WHITEFISH — 2003
What GLACIER BANK OF WHITEFISH 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 | 134,972,000 | 141,915,000 | 148,299,000 | 149,530,000 |
| Total loans | 69,112,000 | 73,355,000 | 74,693,000 | 73,984,000 |
| Allowance for loan losses | 1,104,000 | 1,146,000 | 1,185,000 | 1,184,000 |
| Securities available for sale | 53,147,000 | 55,529,000 | 54,566,000 | 62,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,577,000 | 70,249,000 | 81,882,000 | 68,124,000 |
| Interest-bearing deposits | 45,540,000 | 44,954,000 | 46,904,000 | 42,715,000 |
| Noninterest-bearing deposits | 21,036,000 | 25,296,000 | 34,979,000 | 25,409,000 |
| Equity capital | 11,226,000 | 11,549,000 | 11,633,000 | 12,126,000 |
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 | 1,724,000 | 3,462,000 | 5,227,000 | 7,097,000 |
| Interest expense | 475,000 | 909,000 | 1,304,000 | 1,703,000 |
| Net interest income | 1,249,000 | 2,553,000 | 3,923,000 | 5,394,000 |
| Noninterest income | 291,000 | 600,000 | 914,000 | 1,189,000 |
| Noninterest expense | 732,000 | 1,489,000 | 2,260,000 | 3,053,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 763,000 | 1,440,000 | 2,308,000 | 3,216,000 |
| Income tax | 248,000 | 462,000 | 749,000 | 1,054,000 |
| Net income | 515,000 | 978,000 | 1,559,000 | 2,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,222,000 | 10,435,000 | 10,766,000 | 11,119,000 |
| Total capital | 11,302,000 | 11,547,000 | 11,880,000 | 12,241,000 |
| Risk-weighted assets | 86,347,000 | 88,958,000 | 89,059,000 | 89,665,000 |