Call reports 2003
EVANGELINE BANK AND TRUST COMPANY, THE — 2003
What EVANGELINE BANK AND TRUST COMPANY, THE 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 | 395,593,000 | 404,939,000 | 400,028,000 | 407,565,000 |
| Total loans | 184,772,000 | 190,576,000 | 195,656,000 | 199,681,000 |
| Allowance for loan losses | 3,591,000 | 3,417,000 | 3,353,000 | 3,411,000 |
| Securities available for sale | 172,319,000 | 182,177,000 | 179,692,000 | 176,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,575,000 | 334,872,000 | 330,250,000 | 339,826,000 |
| Interest-bearing deposits | 279,397,000 | 286,451,000 | 281,473,000 | 288,478,000 |
| Noninterest-bearing deposits | 49,178,000 | 48,421,000 | 48,777,000 | 51,348,000 |
| Equity capital | 63,815,000 | 65,353,000 | 66,031,000 | 64,665,000 |
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 | 5,097,000 | 10,212,000 | 15,408,000 | 20,559,000 |
| Interest expense | 1,791,000 | 3,597,000 | 5,243,000 | 6,792,000 |
| Net interest income | 3,306,000 | 6,615,000 | 10,165,000 | 13,767,000 |
| Noninterest income | 635,000 | 1,265,000 | 1,881,000 | 2,527,000 |
| Noninterest expense | 2,174,000 | 4,289,000 | 6,411,000 | 8,651,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 550,000 |
| Pretax income | 1,524,000 | 3,348,000 | 5,392,000 | 7,100,000 |
| Income tax | 491,000 | 1,072,000 | 1,854,000 | 2,598,000 |
| Net income | 1,033,000 | 2,276,000 | 3,538,000 | 4,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,078,000 | 63,321,000 | 64,583,000 | 63,417,000 |
| Total capital | 64,299,000 | 65,615,000 | 66,921,000 | 65,824,000 |
| Risk-weighted assets | 176,323,000 | 182,416,000 | 186,058,000 | 191,529,000 |