Call reports 2003
ALLAIRE COMMUNITY BANK — 2003
What ALLAIRE COMMUNITY 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 | 154,126,000 | 168,898,000 | 174,873,000 | 182,020,000 |
| Total loans | 97,722,000 | 102,219,000 | 103,770,000 | 109,325,000 |
| Allowance for loan losses | 973,000 | 1,020,000 | 1,043,000 | 1,090,000 |
| Securities available for sale | 30,816,000 | 27,005,000 | 46,038,000 | 46,609,000 |
| Securities held to maturity | 8,056,000 | 8,056,000 | 12,550,000 | 12,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,410,000 | 154,939,000 | 158,677,000 | 157,458,000 |
| Interest-bearing deposits | 109,488,000 | 121,335,000 | 123,613,000 | 122,364,000 |
| Noninterest-bearing deposits | 30,922,000 | 33,604,000 | 35,064,000 | 35,094,000 |
| Equity capital | 12,951,000 | 13,375,000 | 13,456,000 | 13,928,000 |
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 | 2,144,000 | 4,371,000 | 6,724,000 | 9,113,000 |
| Interest expense | 457,000 | 934,000 | 1,380,000 | 1,807,000 |
| Net interest income | 1,687,000 | 3,437,000 | 5,344,000 | 7,306,000 |
| Noninterest income | 102,000 | 249,000 | 405,000 | 563,000 |
| Noninterest expense | 1,234,000 | 2,557,000 | 3,932,000 | 5,323,000 |
| Provision for loan losses | 68,000 | 115,000 | 138,000 | 185,000 |
| Pretax income | 520,000 | 1,126,000 | 1,791,000 | 2,481,000 |
| Income tax | 192,000 | 405,000 | 635,000 | 879,000 |
| Net income | 328,000 | 721,000 | 1,156,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,661,000 | 13,055,000 | 13,490,000 | 13,950,000 |
| Total capital | 13,634,000 | 14,075,000 | 14,533,000 | 15,040,000 |
| Risk-weighted assets | 110,806,000 | 116,998,000 | 120,555,000 | 126,650,000 |