Call reports 2003
EFS BANK — 2003
What EFS 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 | 808,136,000 | 857,671,000 | 879,686,000 | 894,086,000 |
| Total loans | 624,286,000 | 657,153,000 | 703,635,000 | 720,627,000 |
| Allowance for loan losses | 3,322,000 | 3,465,000 | 3,604,000 | 3,755,000 |
| Securities available for sale | 102,452,000 | 102,693,000 | 100,494,000 | 100,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,463,000 | 568,095,000 | 599,492,000 | 602,897,000 |
| Interest-bearing deposits | 516,676,000 | 529,232,000 | 557,877,000 | 566,992,000 |
| Noninterest-bearing deposits | 35,787,000 | 38,863,000 | 41,615,000 | 35,905,000 |
| Equity capital | 70,924,000 | 73,474,000 | 73,297,000 | 74,630,000 |
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 | 11,635,000 | 23,310,000 | 34,771,000 | 46,491,000 |
| Interest expense | 5,378,000 | 10,671,000 | 15,944,000 | 21,174,000 |
| Net interest income | 6,257,000 | 12,639,000 | 18,827,000 | 25,317,000 |
| Noninterest income | 749,000 | 1,789,000 | 2,828,000 | 3,992,000 |
| Noninterest expense | 4,277,000 | 8,554,000 | 13,022,000 | 17,748,000 |
| Provision for loan losses | 181,000 | 324,000 | 463,000 | 614,000 |
| Pretax income | 2,548,000 | 6,076,000 | 8,987,000 | 11,763,000 |
| Income tax | 780,000 | 1,937,000 | 2,843,000 | 3,695,000 |
| Net income | 1,768,000 | 4,139,000 | 6,144,000 | 8,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,714,000 | 71,487,000 | 72,405,000 | 73,742,000 |
| Total capital | 73,036,000 | 74,952,000 | 76,009,000 | 77,497,000 |
| Risk-weighted assets | 559,128,000 | 589,220,000 | 623,584,000 | 638,838,000 |