Call reports 2003
FOSTER BANK, THE — 2003
What FOSTER BANK, THE 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 | 305,481,000 | 307,721,000 | 320,740,000 | 317,132,000 |
| Total loans | 207,257,000 | 213,600,000 | 220,636,000 | 227,608,000 |
| Allowance for loan losses | 1,572,000 | 1,715,000 | 1,785,000 | 1,867,000 |
| Securities available for sale | 48,747,000 | 65,602,000 | 76,630,000 | 72,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,575,000 | 275,663,000 | 287,843,000 | 273,520,000 |
| Interest-bearing deposits | 198,449,000 | 193,184,000 | 204,652,000 | 185,993,000 |
| Noninterest-bearing deposits | 75,126,000 | 82,479,000 | 83,191,000 | 87,527,000 |
| Equity capital | 21,153,000 | 20,711,000 | 20,968,000 | 19,352,000 |
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 | 3,784,000 | 7,880,000 | 12,013,000 | 15,727,000 |
| Interest expense | 1,079,000 | 2,151,000 | 3,071,000 | 3,823,000 |
| Net interest income | 2,705,000 | 5,729,000 | 8,942,000 | 11,904,000 |
| Noninterest income | 732,000 | 1,435,000 | 2,214,000 | 3,251,000 |
| Noninterest expense | 2,479,000 | 5,491,000 | 8,701,000 | 13,478,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,147,000 | 1,772,000 | 2,540,000 | 1,672,000 |
| Income tax | 16,000 | 31,000 | 46,000 | 57,000 |
| Net income | 1,131,000 | 1,741,000 | 2,494,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,218,000 | 19,919,000 | 20,387,000 | 18,805,000 |
| Total capital | 21,790,000 | 21,634,000 | 22,172,000 | 20,672,000 |
| Risk-weighted assets | 224,217,000 | 218,278,000 | 241,047,000 | 233,775,000 |