Call reports 2003
AFB&T — 2003
What AFB&T 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 | 861,132,000 | 869,427,000 | 863,611,000 | 874,470,000 |
| Total loans | 685,972,000 | 701,205,000 | 701,344,000 | 718,142,000 |
| Allowance for loan losses | 8,540,000 | 8,730,000 | 8,748,000 | 8,942,000 |
| Securities available for sale | 128,619,000 | 129,840,000 | 124,607,000 | 118,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 635,072,000 | 651,757,000 | 638,564,000 | 657,749,000 |
| Interest-bearing deposits | 568,195,000 | 584,362,000 | 568,258,000 | 586,747,000 |
| Noninterest-bearing deposits | 66,877,000 | 67,395,000 | 70,306,000 | 71,002,000 |
| Equity capital | 64,655,000 | 65,875,000 | 65,741,000 | 65,894,000 |
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 | 12,046,000 | 24,168,000 | 36,230,000 | 48,086,000 |
| Interest expense | 3,837,000 | 7,741,000 | 11,412,000 | 14,913,000 |
| Net interest income | 8,209,000 | 16,427,000 | 24,818,000 | 33,173,000 |
| Noninterest income | 1,710,000 | 3,421,000 | 5,221,000 | 7,152,000 |
| Noninterest expense | 4,430,000 | 8,901,000 | 13,460,000 | 18,077,000 |
| Provision for loan losses | 492,000 | 829,000 | 925,000 | 1,934,000 |
| Pretax income | 4,997,000 | 10,118,000 | 15,654,000 | 20,583,000 |
| Income tax | 1,830,000 | 3,711,000 | 5,753,000 | 7,559,000 |
| Net income | 3,167,000 | 6,407,000 | 9,901,000 | 13,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,619,000 | 62,913,000 | 63,740,000 | 64,308,000 |
| Total capital | 69,997,000 | 71,420,000 | 72,287,000 | 72,981,000 |
| Risk-weighted assets | 670,045,000 | 680,304,000 | 683,597,000 | 693,548,000 |