Call reports 2003
TREATY OAK BANK — 2003
What TREATY OAK 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 | 11,874,000 | 11,673,000 | 11,539,000 | 12,108,000 |
| Total loans | 9,394,000 | 9,264,000 | 9,488,000 | 8,740,000 |
| Allowance for loan losses | 224,000 | 220,000 | 184,000 | 135,000 |
| Securities available for sale | 145,000 | 108,000 | 100,000 | 94,000 |
| Securities held to maturity | 229,000 | 225,000 | 220,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,452,000 | 9,237,000 | 9,115,000 | 9,559,000 |
| Interest-bearing deposits | 7,670,000 | 7,543,000 | 7,191,000 | 7,204,000 |
| Noninterest-bearing deposits | 1,782,000 | 1,694,000 | 1,924,000 | 2,355,000 |
| Equity capital | 1,099,000 | 1,110,000 | 1,094,000 | 1,119,000 |
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 | 224,000 | 439,000 | 660,000 | 864,000 |
| Interest expense | 63,000 | 122,000 | 173,000 | 222,000 |
| Net interest income | 161,000 | 317,000 | 487,000 | 642,000 |
| Noninterest income | 22,000 | 44,000 | 27,000 | 36,000 |
| Noninterest expense | 177,000 | 343,000 | 482,000 | 622,000 |
| Provision for loan losses | -23,000 | -23,000 | 7,000 | 7,000 |
| Pretax income | 29,000 | 41,000 | 25,000 | 49,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 41,000 | 25,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,058,000 | 1,104,000 | 1,049,000 | 1,115,000 |
| Total capital | 1,169,000 | 1,214,000 | 1,165,000 | 1,223,000 |
| Risk-weighted assets | 8,735,000 | 8,678,000 | 9,210,000 | 8,610,000 |