Call reports 2003
CORTRUST BANK NATIONAL ASSOCIATION — 2003
What CORTRUST BANK NATIONAL ASSOCIATION 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 | 350,544,000 | 358,233,000 | 364,690,000 | 368,270,000 |
| Total loans | 235,870,000 | 247,022,000 | 252,850,000 | 247,639,000 |
| Allowance for loan losses | 5,969,000 | 6,508,000 | 7,203,000 | 7,979,000 |
| Securities available for sale | 75,742,000 | 81,441,000 | 81,898,000 | 88,054,000 |
| Securities held to maturity | 1,302,000 | 1,274,000 | 810,000 | 809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,700,000 | 306,806,000 | 307,301,000 | 304,826,000 |
| Interest-bearing deposits | 252,610,000 | 254,751,000 | 252,242,000 | 246,816,000 |
| Noninterest-bearing deposits | 55,090,000 | 52,055,000 | 55,059,000 | 58,010,000 |
| Equity capital | 30,585,000 | 32,438,000 | 31,610,000 | 32,369,000 |
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 | 6,506,000 | 13,395,000 | 20,176,000 | 26,845,000 |
| Interest expense | 1,685,000 | 3,271,000 | 4,797,000 | 6,306,000 |
| Net interest income | 4,821,000 | 10,124,000 | 15,379,000 | 20,539,000 |
| Noninterest income | 3,029,000 | 6,438,000 | 9,875,000 | 13,221,000 |
| Noninterest expense | 4,468,000 | 9,494,000 | 14,385,000 | 19,142,000 |
| Provision for loan losses | 1,711,000 | 3,077,000 | 5,417,000 | 8,170,000 |
| Pretax income | 1,671,000 | 3,991,000 | 5,452,000 | 6,448,000 |
| Income tax | 550,000 | 1,322,000 | 1,798,000 | 2,128,000 |
| Net income | 1,121,000 | 2,669,000 | 3,654,000 | 4,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,279,000 | 29,535,000 | 30,168,000 | 30,950,000 |
| Total capital | 31,674,000 | 32,757,000 | 33,479,000 | 34,197,000 |
| Risk-weighted assets | 244,721,000 | 254,216,000 | 260,950,000 | 255,000,000 |