Call reports 2003
TRADERS BANK, INC. — 2003
What TRADERS BANK, INC. 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 | 123,994,000 | 120,719,000 | 120,714,000 | 118,526,000 |
| Total loans | 100,367,000 | 98,672,000 | 95,960,000 | 91,318,000 |
| Allowance for loan losses | 1,339,000 | 1,704,000 | 1,510,000 | 2,103,000 |
| Securities available for sale | 10,391,000 | 10,371,000 | 10,200,000 | 10,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,907,000 | 104,907,000 | 104,757,000 | 103,694,000 |
| Interest-bearing deposits | 93,484,000 | 89,954,000 | 89,163,000 | 87,147,000 |
| Noninterest-bearing deposits | 14,423,000 | 14,953,000 | 15,594,000 | 16,547,000 |
| Equity capital | 15,198,000 | 15,054,000 | 15,158,000 | 14,329,000 |
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 | 1,952,000 | 3,673,000 | 5,319,000 | 7,255,000 |
| Interest expense | 537,000 | 1,001,000 | 1,410,000 | 1,766,000 |
| Net interest income | 1,415,000 | 2,672,000 | 3,909,000 | 5,489,000 |
| Noninterest income | 112,000 | 247,000 | 412,000 | 573,000 |
| Noninterest expense | 928,000 | 2,099,000 | 3,007,000 | 4,025,000 |
| Provision for loan losses | 45,000 | 430,000 | 540,000 | 1,275,000 |
| Pretax income | 554,000 | 390,000 | 774,000 | 762,000 |
| Income tax | 248,000 | 184,000 | 328,000 | 495,000 |
| Net income | 306,000 | 206,000 | 446,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,078,000 | 14,923,000 | 15,098,000 | 14,253,000 |
| Total capital | 16,278,000 | 16,087,000 | 16,288,000 | 15,373,000 |
| Risk-weighted assets | 95,855,000 | 95,845,000 | 94,846,000 | 88,579,000 |