Call reports 2003
EMPRISE BANK — 2003
What EMPRISE 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 | 498,743,000 | 510,727,000 | 533,197,000 | 522,573,000 |
| Total loans | 411,307,000 | 408,586,000 | 415,949,000 | 406,218,000 |
| Allowance for loan losses | 5,533,000 | 5,534,000 | 5,875,000 | 6,223,000 |
| Securities available for sale | 18,653,000 | 33,011,000 | 47,683,000 | 62,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,040,000 | 449,223,000 | 480,031,000 | 475,802,000 |
| Interest-bearing deposits | 358,961,000 | 356,842,000 | 376,765,000 | 378,745,000 |
| Noninterest-bearing deposits | 91,079,000 | 92,381,000 | 103,266,000 | 97,057,000 |
| Equity capital | 46,172,000 | 46,036,000 | 45,824,000 | 44,666,000 |
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 | 6,152,000 | 12,349,000 | 18,306,000 | 24,197,000 |
| Interest expense | 1,537,000 | 2,972,000 | 4,268,000 | 5,507,000 |
| Net interest income | 4,615,000 | 9,377,000 | 14,038,000 | 18,690,000 |
| Noninterest income | 1,724,000 | 3,621,000 | 5,499,000 | 7,488,000 |
| Noninterest expense | 4,691,000 | 9,426,000 | 14,260,000 | 19,021,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,348,000 | 2,972,000 | 4,377,000 | 5,957,000 |
| Income tax | 56,000 | 121,000 | 175,000 | 231,000 |
| Net income | 1,292,000 | 2,851,000 | 4,202,000 | 5,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,289,000 | 42,166,000 | 41,979,000 | 40,697,000 |
| Total capital | 47,720,000 | 47,700,000 | 47,732,000 | 46,228,000 |
| Risk-weighted assets | 434,415,000 | 444,560,000 | 460,148,000 | 441,762,000 |