Call reports 2003
BONVENU BANK, N.A. — 2003
What BONVENU BANK, N.A. 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 | 187,955,000 | 200,300,000 | 173,828,000 | 198,272,000 |
| Total loans | 99,096,000 | 108,990,000 | 111,468,000 | 116,186,000 |
| Allowance for loan losses | 780,000 | 834,000 | 885,000 | 929,000 |
| Securities available for sale | 66,421,000 | 63,469,000 | 40,238,000 | 48,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,646,000 | 167,628,000 | 143,945,000 | 152,909,000 |
| Interest-bearing deposits | 132,095,000 | 133,063,000 | 105,353,000 | 114,025,000 |
| Noninterest-bearing deposits | 31,551,000 | 34,565,000 | 38,592,000 | 38,884,000 |
| Equity capital | 13,336,000 | 13,833,000 | 14,613,000 | 14,612,000 |
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 | 2,431,000 | 4,847,000 | 7,273,000 | 9,782,000 |
| Interest expense | 516,000 | 1,012,000 | 1,395,000 | 1,716,000 |
| Net interest income | 1,915,000 | 3,835,000 | 5,878,000 | 8,066,000 |
| Noninterest income | 687,000 | 1,447,000 | 2,202,000 | 2,893,000 |
| Noninterest expense | 1,641,000 | 3,391,000 | 5,222,000 | 7,741,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 330,000 |
| Pretax income | 1,213,000 | 2,058,000 | 2,930,000 | 3,407,000 |
| Income tax | 373,000 | 614,000 | 871,000 | 1,160,000 |
| Net income | 840,000 | 1,444,000 | 2,059,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,210,000 | 13,714,000 | 14,329,000 | 14,517,000 |
| Total capital | 13,990,000 | 14,548,000 | 15,214,000 | 15,446,000 |
| Risk-weighted assets | 111,605,000 | 121,987,000 | 119,825,000 | 129,085,000 |