Call reports 2003
BRISTOL BANK — 2003
What BRISTOL 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 | 51,006,000 | 59,725,000 | 64,452,000 | 66,509,000 |
| Total loans | 36,002,000 | 41,255,000 | 43,447,000 | 47,338,000 |
| Allowance for loan losses | 425,000 | 423,000 | 457,000 | 473,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,908,000 | 8,347,000 | 8,075,000 | 9,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,811,000 | 54,446,000 | 58,288,000 | 60,299,000 |
| Interest-bearing deposits | 39,186,000 | 48,537,000 | 51,662,000 | 50,989,000 |
| Noninterest-bearing deposits | 6,625,000 | 5,909,000 | 6,626,000 | 9,310,000 |
| Equity capital | 5,077,000 | 5,108,000 | 5,962,000 | 6,003,000 |
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 | 626,000 | 1,341,000 | 2,142,000 | 2,979,000 |
| Interest expense | 258,000 | 556,000 | 884,000 | 1,208,000 |
| Net interest income | 368,000 | 785,000 | 1,258,000 | 1,771,000 |
| Noninterest income | 102,000 | 236,000 | 411,000 | 500,000 |
| Noninterest expense | 521,000 | 1,001,000 | 1,571,000 | 2,128,000 |
| Provision for loan losses | 32,000 | 61,000 | 97,000 | 113,000 |
| Pretax income | -83,000 | -41,000 | 1,000 | 30,000 |
| Income tax | -32,000 | -21,000 | -4,000 | 9,000 |
| Net income | -51,000 | -20,000 | 5,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,035,000 | 4,093,000 | 5,077,000 | 5,049,000 |
| Total capital | 4,460,000 | 4,516,000 | 5,534,000 | 5,522,000 |
| Risk-weighted assets | 39,435,000 | 44,633,000 | 46,552,000 | 50,593,000 |