Call reports 2003
EXCEL BANK — 2003
What EXCEL 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 | 130,665,000 | 126,608,000 | 124,099,000 | 119,976,000 |
| Total loans | 79,256,000 | 75,077,000 | 71,258,000 | 66,100,000 |
| Allowance for loan losses | 1,529,000 | 1,338,000 | 1,403,000 | 1,420,000 |
| Securities available for sale | 38,534,000 | 42,517,000 | 39,866,000 | 44,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,904,000 | 95,221,000 | 93,504,000 | 90,456,000 |
| Interest-bearing deposits | 90,351,000 | 86,255,000 | 84,400,000 | 82,032,000 |
| Noninterest-bearing deposits | 8,553,000 | 8,966,000 | 9,104,000 | 8,424,000 |
| Equity capital | 10,376,000 | 10,188,000 | 10,161,000 | 10,068,000 |
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 | 1,943,000 | 3,694,000 | 5,409,000 | 7,007,000 |
| Interest expense | 850,000 | 1,627,000 | 2,348,000 | 3,015,000 |
| Net interest income | 1,093,000 | 2,067,000 | 3,061,000 | 3,992,000 |
| Noninterest income | 229,000 | 479,000 | 712,000 | 955,000 |
| Noninterest expense | 840,000 | 1,708,000 | 2,566,000 | 3,546,000 |
| Provision for loan losses | 83,000 | 245,000 | 327,000 | 355,000 |
| Pretax income | 399,000 | 673,000 | 994,000 | 1,160,000 |
| Income tax | 27,000 | 39,000 | 51,000 | 63,000 |
| Net income | 372,000 | 634,000 | 943,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,702,000 | 9,577,000 | 9,850,000 | 9,878,000 |
| Total capital | 10,736,000 | 10,572,000 | 10,796,000 | 10,778,000 |
| Risk-weighted assets | 82,253,000 | 79,235,000 | 75,234,000 | 71,484,000 |