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 | 108,920,000 | 108,187,000 | 110,960,000 | 109,880,000 |
| Total loans | 72,931,000 | 76,461,000 | 81,886,000 | 79,418,000 |
| Allowance for loan losses | 1,086,000 | 1,172,000 | 1,266,000 | 1,147,000 |
| Securities available for sale | 27,729,000 | 25,468,000 | 23,451,000 | 21,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,929,000 | 89,981,000 | 88,970,000 | 93,749,000 |
| Interest-bearing deposits | 83,882,000 | 81,285,000 | 80,652,000 | 84,006,000 |
| Noninterest-bearing deposits | 9,047,000 | 8,696,000 | 8,318,000 | 9,743,000 |
| Equity capital | 8,987,000 | 9,174,000 | 9,155,000 | 9,370,000 |
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 | 1,599,000 | 3,135,000 | 4,678,000 | 6,260,000 |
| Interest expense | 638,000 | 1,207,000 | 1,736,000 | 2,269,000 |
| Net interest income | 961,000 | 1,928,000 | 2,942,000 | 3,991,000 |
| Noninterest income | 85,000 | 206,000 | 342,000 | 463,000 |
| Noninterest expense | 611,000 | 1,220,000 | 1,857,000 | 2,516,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 345,000 | 734,000 | 1,157,000 | 1,599,000 |
| Income tax | 90,000 | 192,000 | 311,000 | 437,000 |
| Net income | 255,000 | 542,000 | 846,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,486,000 | 8,648,000 | 8,827,000 | 9,018,000 |
| Total capital | 9,432,000 | 9,598,000 | 9,829,000 | 9,998,000 |
| Risk-weighted assets | 75,531,000 | 75,798,000 | 79,866,000 | 78,201,000 |