Call reports 2003
ANZ GUAM, INC. — 2003
What ANZ GUAM, INC. 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 | 124,973,000 | 128,768,000 | 129,325,000 | 124,699,000 |
| Total loans | 91,993,000 | 87,159,000 | 87,972,000 | 87,509,000 |
| Allowance for loan losses | 1,238,000 | 1,152,000 | 1,285,000 | 1,225,000 |
| Securities available for sale | 11,794,000 | 13,584,000 | 21,338,000 | 22,324,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,838,000 | 108,892,000 | 111,839,000 | 105,425,000 |
| Interest-bearing deposits | 84,309,000 | 85,420,000 | 86,478,000 | 81,178,000 |
| Noninterest-bearing deposits | 25,529,000 | 23,472,000 | 25,361,000 | 24,247,000 |
| Equity capital | 9,610,000 | 11,095,000 | 11,236,000 | 11,500,000 |
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 | 1,687,000 | 3,398,000 | 5,040,000 | 6,698,000 |
| Interest expense | 239,000 | 456,000 | 620,000 | 761,000 |
| Net interest income | 1,448,000 | 2,942,000 | 4,420,000 | 5,937,000 |
| Noninterest income | 388,000 | 883,000 | 1,159,000 | 1,591,000 |
| Noninterest expense | 1,170,000 | 2,442,000 | 3,680,000 | 5,202,000 |
| Provision for loan losses | 200,000 | 505,000 | 625,000 | 654,000 |
| Pretax income | 486,000 | 910,000 | 1,306,000 | 1,711,000 |
| Income tax | 162,000 | 293,000 | 425,000 | 560,000 |
| Net income | 324,000 | 617,000 | 881,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,535,000 | 10,985,000 | 11,249,000 | 11,521,000 |
| Total capital | 10,665,000 | 12,091,000 | 12,369,000 | 12,605,000 |
| Risk-weighted assets | 90,272,000 | 88,433,000 | 89,381,000 | 86,558,000 |