Call reports 2003
EXTRACO BANKS, NATIONAL ASSOCIATION — 2003
What EXTRACO BANKS, NATIONAL ASSOCIATION 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 | 837,187,000 | 837,846,000 | 846,338,000 | 834,748,000 |
| Total loans | 534,978,000 | 544,567,000 | 507,830,000 | 507,391,000 |
| Allowance for loan losses | 10,286,000 | 10,190,000 | 10,116,000 | 10,357,000 |
| Securities available for sale | 98,286,000 | 100,552,000 | 116,127,000 | 145,622,000 |
| Securities held to maturity | 37,249,000 | 33,101,000 | 48,248,000 | 48,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,630,000 | 690,985,000 | 674,718,000 | 668,300,000 |
| Interest-bearing deposits | 493,809,000 | 495,098,000 | 480,285,000 | 488,512,000 |
| Noninterest-bearing deposits | 182,821,000 | 195,887,000 | 194,433,000 | 179,788,000 |
| Equity capital | 65,264,000 | 65,951,000 | 69,510,000 | 71,026,000 |
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 | 10,048,000 | 20,106,000 | 29,987,000 | 39,115,000 |
| Interest expense | 2,227,000 | 4,309,000 | 6,163,000 | 7,981,000 |
| Net interest income | 7,821,000 | 15,797,000 | 23,824,000 | 31,134,000 |
| Noninterest income | 5,397,000 | 11,503,000 | 16,313,000 | 21,797,000 |
| Noninterest expense | 12,465,000 | 25,202,000 | 32,119,000 | 41,905,000 |
| Provision for loan losses | 48,000 | 63,000 | 73,000 | 398,000 |
| Pretax income | 705,000 | 2,035,000 | 7,945,000 | 10,628,000 |
| Income tax | 150,000 | 511,000 | 2,431,000 | 3,234,000 |
| Net income | 555,000 | 1,524,000 | 5,514,000 | 7,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,156,000 | 54,179,000 | 59,088,000 | 61,111,000 |
| Total capital | 59,488,000 | 60,548,000 | 65,278,000 | 67,360,000 |
| Risk-weighted assets | 501,914,000 | 504,944,000 | 490,710,000 | 494,400,000 |