Call reports 2003
TRUBANK — 2003
What TRUBANK 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 | 59,393,000 | 61,734,000 | 66,154,000 | 68,750,000 |
| Total loans | 36,949,000 | 36,730,000 | 38,355,000 | 39,006,000 |
| Allowance for loan losses | 539,000 | 548,000 | 540,000 | 559,000 |
| Securities available for sale | 15,031,000 | 13,744,000 | 15,670,000 | 18,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,766,000 | 52,192,000 | 55,313,000 | 55,637,000 |
| Interest-bearing deposits | 43,575,000 | 44,891,000 | 47,466,000 | 47,388,000 |
| Noninterest-bearing deposits | 7,191,000 | 7,301,000 | 7,847,000 | 8,249,000 |
| Equity capital | 4,959,000 | 5,105,000 | 5,190,000 | 5,377,000 |
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 | 867,000 | 1,744,000 | 2,591,000 | 3,501,000 |
| Interest expense | 292,000 | 561,000 | 834,000 | 1,096,000 |
| Net interest income | 575,000 | 1,183,000 | 1,757,000 | 2,405,000 |
| Noninterest income | 156,000 | 290,000 | 416,000 | 572,000 |
| Noninterest expense | 454,000 | 971,000 | 1,463,000 | 2,004,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 259,000 | 466,000 | 656,000 | 901,000 |
| Income tax | 93,000 | 165,000 | 229,000 | 315,000 |
| Net income | 166,000 | 301,000 | 427,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,564,000 | 4,700,000 | 4,826,000 | 5,227,000 |
| Total capital | 5,030,000 | 5,165,000 | 5,315,000 | 5,732,000 |
| Risk-weighted assets | 37,177,000 | 37,141,000 | 39,364,000 | 40,780,000 |