Call reports 2003
AMERICAN HORIZONS BANK — 2003
What AMERICAN HORIZONS 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 | 234,313,000 | 245,091,000 | 251,443,000 | 253,950,000 |
| Total loans | 197,274,000 | 208,305,000 | 218,225,000 | 211,401,000 |
| Allowance for loan losses | 1,828,000 | 2,030,000 | 2,047,000 | 2,071,000 |
| Securities available for sale | 15,143,000 | 13,823,000 | 11,825,000 | 12,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,533,000 | 195,023,000 | 196,064,000 | 196,536,000 |
| Interest-bearing deposits | 164,590,000 | 164,060,000 | 161,659,000 | 159,288,000 |
| Noninterest-bearing deposits | 30,943,000 | 30,963,000 | 34,405,000 | 37,248,000 |
| Equity capital | 23,053,000 | 23,697,000 | 24,212,000 | 24,797,000 |
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 | 3,611,000 | 7,526,000 | 11,429,000 | 15,307,000 |
| Interest expense | 1,107,000 | 2,174,000 | 3,216,000 | 4,213,000 |
| Net interest income | 2,504,000 | 5,352,000 | 8,213,000 | 11,094,000 |
| Noninterest income | 690,000 | 1,400,000 | 2,170,000 | 2,964,000 |
| Noninterest expense | 2,237,000 | 4,477,000 | 6,821,000 | 9,495,000 |
| Provision for loan losses | 185,000 | 470,000 | 745,000 | 990,000 |
| Pretax income | 772,000 | 1,893,000 | 2,819,000 | 3,577,000 |
| Income tax | 311,000 | 723,000 | 1,037,000 | 1,148,000 |
| Net income | 461,000 | 1,170,000 | 1,782,000 | 2,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,799,000 | 23,509,000 | 24,120,000 | 24,767,000 |
| Total capital | 24,627,000 | 25,539,000 | 26,167,000 | 26,838,000 |
| Risk-weighted assets | 198,007,000 | 204,517,000 | 209,462,000 | 207,747,000 |