Call reports 2003
BORDER TRUST COMPANY — 2003
What BORDER TRUST COMPANY 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 | 80,097,000 | 77,526,000 | 74,577,000 | 72,933,000 |
| Total loans | 44,195,000 | 44,174,000 | 43,033,000 | 42,106,000 |
| Allowance for loan losses | 493,000 | 504,000 | 497,000 | 499,000 |
| Securities available for sale | 28,752,000 | 26,591,000 | 23,066,000 | 23,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,520,000 | 69,522,000 | 68,017,000 | 64,788,000 |
| Interest-bearing deposits | 64,992,000 | 61,281,000 | 59,375,000 | 55,798,000 |
| Noninterest-bearing deposits | 8,528,000 | 8,241,000 | 8,642,000 | 8,990,000 |
| Equity capital | 5,863,000 | 6,057,000 | 5,743,000 | 5,761,000 |
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 | 1,114,000 | 2,222,000 | 3,207,000 | 4,219,000 |
| Interest expense | 512,000 | 987,000 | 1,397,000 | 1,768,000 |
| Net interest income | 602,000 | 1,235,000 | 1,810,000 | 2,451,000 |
| Noninterest income | 75,000 | 136,000 | 297,000 | 391,000 |
| Noninterest expense | 679,000 | 1,360,000 | 2,143,000 | 2,814,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 61,000 |
| Pretax income | -45,000 | -7,000 | -23,000 | 116,000 |
| Income tax | -29,000 | -32,000 | -59,000 | -23,000 |
| Net income | -16,000 | 25,000 | 36,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,364,000 | 5,404,000 | 5,416,000 | 5,504,000 |
| Total capital | 5,944,000 | 5,955,000 | 5,967,000 | 6,048,000 |
| Risk-weighted assets | 53,959,000 | 53,581,000 | 53,826,000 | 50,940,000 |