Call reports 2003
DARBY BANK & TRUST CO. — 2003
What DARBY BANK & TRUST CO. 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 | 384,638,000 | 428,723,000 | 435,287,000 | 444,605,000 |
| Total loans | 314,888,000 | 342,540,000 | 358,803,000 | 360,850,000 |
| Allowance for loan losses | 5,336,000 | 5,645,000 | 6,306,000 | 6,416,000 |
| Securities available for sale | 53,977,000 | 62,697,000 | 2,175,000 | 2,151,000 |
| Securities held to maturity | 0 | 0 | 54,903,000 | 53,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,185,000 | 361,698,000 | 366,481,000 | 376,787,000 |
| Interest-bearing deposits | 272,806,000 | 323,380,000 | 331,719,000 | 342,581,000 |
| Noninterest-bearing deposits | 38,379,000 | 38,318,000 | 34,762,000 | 34,206,000 |
| Equity capital | 29,803,000 | 32,103,000 | 32,712,000 | 33,800,000 |
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 | 6,102,000 | 13,003,000 | 19,756,000 | 26,572,000 |
| Interest expense | 2,031,000 | 4,277,000 | 6,438,000 | 8,680,000 |
| Net interest income | 4,071,000 | 8,726,000 | 13,318,000 | 17,892,000 |
| Noninterest income | 570,000 | 1,194,000 | 1,926,000 | 2,705,000 |
| Noninterest expense | 2,608,000 | 5,307,000 | 7,983,000 | 10,407,000 |
| Provision for loan losses | 456,000 | 1,748,000 | 3,091,000 | 4,293,000 |
| Pretax income | 1,583,000 | 3,432,000 | 5,311,000 | 7,038,000 |
| Income tax | 538,000 | 1,167,000 | 1,806,000 | 2,393,000 |
| Net income | 1,045,000 | 2,265,000 | 3,505,000 | 4,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,333,000 | 30,804,000 | 32,568,000 | 33,708,000 |
| Total capital | 32,330,000 | 35,169,000 | 37,189,000 | 38,391,000 |
| Risk-weighted assets | 318,464,000 | 347,988,000 | 367,955,000 | 372,905,000 |