Call reports 2003
FIRSTCITY BANK — 2003
What FIRSTCITY 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 | 43,564,000 | 53,385,000 | 59,874,000 | 63,826,000 |
| Total loans | 38,155,000 | 47,033,000 | 50,628,000 | 54,040,000 |
| Allowance for loan losses | 455,000 | 458,000 | 496,000 | 542,000 |
| Securities available for sale | 1,823,000 | 1,758,000 | 2,439,000 | 2,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,300,000 | 48,581,000 | 54,512,000 | 58,366,000 |
| Interest-bearing deposits | 34,902,000 | 43,872,000 | 49,270,000 | 52,028,000 |
| Noninterest-bearing deposits | 4,398,000 | 4,709,000 | 5,242,000 | 6,338,000 |
| Equity capital | 3,944,000 | 4,494,000 | 5,059,000 | 5,256,000 |
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 | 788,000 | 1,772,000 | 2,963,000 | 4,122,000 |
| Interest expense | 219,000 | 503,000 | 810,000 | 1,117,000 |
| Net interest income | 569,000 | 1,269,000 | 2,153,000 | 3,005,000 |
| Noninterest income | 36,000 | 54,000 | 73,000 | 105,000 |
| Noninterest expense | 268,000 | 659,000 | 1,167,000 | 1,716,000 |
| Provision for loan losses | 0 | 0 | 106,000 | 215,000 |
| Pretax income | 337,000 | 664,000 | 957,000 | 1,183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 664,000 | 957,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,901,000 | 4,453,000 | 5,040,000 | 5,240,000 |
| Total capital | 4,268,000 | 4,911,000 | 5,536,000 | 5,782,000 |
| Risk-weighted assets | 29,494,000 | 38,134,000 | 46,335,000 | 50,361,000 |