Call reports 2003
TRUBANK — 2003
What TRUBANK 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 | 97,900,000 | 93,721,000 | 93,251,000 | 94,394,000 |
| Total loans | 77,328,000 | 78,080,000 | 79,689,000 | 79,560,000 |
| Allowance for loan losses | 878,000 | 888,000 | 890,000 | 937,000 |
| Securities available for sale | 4,833,000 | 3,906,000 | 3,752,000 | 3,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,436,000 | 72,843,000 | 74,207,000 | 78,350,000 |
| Interest-bearing deposits | 64,915,000 | 63,933,000 | 64,883,000 | 68,811,000 |
| Noninterest-bearing deposits | 9,521,000 | 8,910,000 | 9,324,000 | 9,539,000 |
| Equity capital | 8,593,000 | 8,603,000 | 8,239,000 | 8,397,000 |
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 | 1,446,000 | 2,819,000 | 4,156,000 | 5,463,000 |
| Interest expense | 493,000 | 964,000 | 1,355,000 | 1,725,000 |
| Net interest income | 953,000 | 1,855,000 | 2,801,000 | 3,738,000 |
| Noninterest income | 130,000 | 305,000 | 455,000 | 673,000 |
| Noninterest expense | 667,000 | 1,325,000 | 2,041,000 | 2,841,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 395,000 | 814,000 | 1,194,000 | 1,549,000 |
| Income tax | 128,000 | 255,000 | 382,000 | 480,000 |
| Net income | 267,000 | 559,000 | 812,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,474,000 | 8,476,000 | 8,143,000 | 8,315,000 |
| Total capital | 9,352,000 | 9,364,000 | 9,033,000 | 9,252,000 |
| Risk-weighted assets | 77,317,000 | 77,602,000 | 79,268,000 | 79,584,000 |