Call reports 2003
BANK SNB — 2003
What BANK SNB 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 | 1,483,400,000 | 1,516,251,000 | 1,533,723,000 | 1,560,075,000 |
| Total loans | 1,229,601,000 | 1,259,194,000 | 1,284,047,000 | 1,300,406,000 |
| Allowance for loan losses | 13,152,000 | 13,877,000 | 14,625,000 | 15,740,000 |
| Securities available for sale | 142,258,000 | 158,186,000 | 165,730,000 | 171,031,000 |
| Securities held to maturity | 26,357,000 | 22,181,000 | 16,456,000 | 15,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,155,559,000 | 1,190,628,000 | 1,214,118,000 | 1,228,234,000 |
| Interest-bearing deposits | 1,096,290,000 | 1,137,737,000 | 1,166,821,000 | 1,164,469,000 |
| Noninterest-bearing deposits | 59,269,000 | 52,891,000 | 47,297,000 | 63,765,000 |
| Equity capital | 119,691,000 | 134,931,000 | 137,029,000 | 140,475,000 |
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 | 19,785,000 | 41,086,000 | 62,238,000 | 83,885,000 |
| Interest expense | 6,622,000 | 13,317,000 | 19,483,000 | 25,597,000 |
| Net interest income | 13,163,000 | 27,769,000 | 42,755,000 | 58,288,000 |
| Noninterest income | 3,297,000 | 6,827,000 | 10,553,000 | 14,168,000 |
| Noninterest expense | 8,493,000 | 17,450,000 | 27,091,000 | 37,004,000 |
| Provision for loan losses | 1,722,000 | 3,722,000 | 6,448,000 | 8,414,000 |
| Pretax income | 6,247,000 | 13,451,000 | 19,797,000 | 27,066,000 |
| Income tax | 2,239,000 | 4,860,000 | 7,181,000 | 9,668,000 |
| Net income | 4,008,000 | 8,591,000 | 12,616,000 | 17,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,935,000 | 133,008,000 | 136,297,000 | 139,835,000 |
| Total capital | 131,101,000 | 146,900,000 | 150,942,000 | 155,596,000 |
| Risk-weighted assets | 1,224,685,000 | 1,266,612,000 | 1,261,767,000 | 1,296,505,000 |