Call reports 2003
ADVANTAGE BANK — 2003
What ADVANTAGE 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 | 109,165,000 | 123,811,000 | 128,173,000 | 128,203,000 |
| Total loans | 79,593,000 | 80,181,000 | 91,221,000 | 94,444,000 |
| Allowance for loan losses | 797,000 | 809,000 | 914,000 | 946,000 |
| Securities available for sale | 522,000 | 11,535,000 | 16,444,000 | 15,997,000 |
| Securities held to maturity | 4,073,000 | 3,505,000 | 2,419,000 | 3,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,359,000 | 111,085,000 | 115,618,000 | 115,201,000 |
| Interest-bearing deposits | 78,356,000 | 89,440,000 | 88,804,000 | 91,398,000 |
| Noninterest-bearing deposits | 20,003,000 | 21,645,000 | 26,814,000 | 23,803,000 |
| Equity capital | 10,470,000 | 12,290,000 | 12,250,000 | 12,587,000 |
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 | 1,412,000 | 2,856,000 | 4,451,000 | 6,110,000 |
| Interest expense | 373,000 | 776,000 | 1,180,000 | 1,563,000 |
| Net interest income | 1,039,000 | 2,080,000 | 3,271,000 | 4,547,000 |
| Noninterest income | 89,000 | 185,000 | 264,000 | 389,000 |
| Noninterest expense | 984,000 | 1,998,000 | 3,006,000 | 4,014,000 |
| Provision for loan losses | 36,000 | 48,000 | 157,000 | 190,000 |
| Pretax income | 108,000 | 219,000 | 372,000 | 742,000 |
| Income tax | 43,000 | 87,000 | 148,000 | 123,000 |
| Net income | 65,000 | 132,000 | 224,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,457,000 | 12,305,000 | 12,397,000 | 12,793,000 |
| Total capital | 11,254,000 | 13,114,000 | 13,311,000 | 13,739,000 |
| Risk-weighted assets | 87,671,000 | 90,912,000 | 100,090,000 | 102,614,000 |