Call reports 2003
FORESIGHT BANK — 2003
What FORESIGHT 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 | 112,521,000 | 116,083,000 | 120,489,000 | 123,463,000 |
| Total loans | 93,049,000 | 96,347,000 | 102,714,000 | 101,999,000 |
| Allowance for loan losses | 1,119,000 | 1,133,000 | 1,064,000 | 1,110,000 |
| Securities available for sale | 11,049,000 | 9,536,000 | 8,922,000 | 9,142,000 |
| Securities held to maturity | 3,408,000 | 2,971,000 | 2,972,000 | 2,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,882,000 | 87,777,000 | 90,011,000 | 92,930,000 |
| Interest-bearing deposits | 79,054,000 | 79,901,000 | 80,748,000 | 82,293,000 |
| Noninterest-bearing deposits | 7,828,000 | 7,876,000 | 9,263,000 | 10,637,000 |
| Equity capital | 8,917,000 | 9,047,000 | 9,164,000 | 9,619,000 |
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 | 1,748,000 | 3,488,000 | 5,224,000 | 6,968,000 |
| Interest expense | 754,000 | 1,501,000 | 2,223,000 | 2,918,000 |
| Net interest income | 994,000 | 1,987,000 | 3,001,000 | 4,050,000 |
| Noninterest income | 100,000 | 207,000 | 317,000 | 462,000 |
| Noninterest expense | 704,000 | 1,368,000 | 2,080,000 | 2,792,000 |
| Provision for loan losses | 48,000 | 73,000 | 2,000 | -113,000 |
| Pretax income | 342,000 | 753,000 | 1,236,000 | 1,833,000 |
| Income tax | 220,000 | 238,000 | 257,000 | 276,000 |
| Net income | 122,000 | 515,000 | 979,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,608,000 | 8,771,000 | 8,891,000 | 9,417,000 |
| Total capital | 9,654,000 | 9,847,000 | 9,955,000 | 10,527,000 |
| Risk-weighted assets | 83,616,000 | 85,828,000 | 90,031,000 | 89,237,000 |