Call reports 2003
INTERCHANGE BANK — 2003
What INTERCHANGE 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 | 962,856,000 | 1,311,682,000 | 1,351,818,000 | 1,388,737,000 |
| Total loans | 606,739,000 | 805,084,000 | 783,686,000 | 796,581,000 |
| Allowance for loan losses | 7,226,000 | 9,537,000 | 9,355,000 | 9,641,000 |
| Securities available for sale | 219,073,000 | 316,249,000 | 385,634,000 | 428,421,000 |
| Securities held to maturity | 26,803,000 | 24,471,000 | 20,534,000 | 19,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 841,993,000 | 1,140,653,000 | 1,167,117,000 | 1,157,902,000 |
| Interest-bearing deposits | 722,700,000 | 924,431,000 | 949,814,000 | 933,053,000 |
| Noninterest-bearing deposits | 119,293,000 | 216,222,000 | 217,303,000 | 224,849,000 |
| Equity capital | 82,351,000 | 138,245,000 | 142,483,000 | 145,889,000 |
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 | 13,450,000 | 28,651,000 | 44,617,000 | 60,269,000 |
| Interest expense | 3,598,000 | 7,200,000 | 10,572,000 | 13,874,000 |
| Net interest income | 9,852,000 | 21,451,000 | 34,045,000 | 46,395,000 |
| Noninterest income | 1,844,000 | 4,470,000 | 7,303,000 | 9,851,000 |
| Noninterest expense | 6,490,000 | 14,122,000 | 22,815,000 | 31,015,000 |
| Provision for loan losses | 265,000 | 795,000 | 1,280,000 | 1,815,000 |
| Pretax income | 4,941,000 | 11,022,000 | 17,773,000 | 24,209,000 |
| Income tax | 1,548,000 | 3,379,000 | 5,554,000 | 7,618,000 |
| Net income | 3,393,000 | 7,643,000 | 12,219,000 | 16,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,907,000 | 76,216,000 | 80,608,000 | 84,699,000 |
| Total capital | 84,133,000 | 85,753,000 | 90,068,000 | 94,480,000 |
| Risk-weighted assets | 632,962,000 | 852,528,000 | 851,765,000 | 879,879,000 |