Call reports 2003
ALBINA COMMUNITY BANK — 2003
What ALBINA COMMUNITY 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 | 82,387,000 | 93,951,000 | 97,575,000 | 101,700,000 |
| Total loans | 68,157,000 | 71,552,000 | 73,607,000 | 77,055,000 |
| Allowance for loan losses | 1,063,000 | 1,139,000 | 1,190,000 | 1,288,000 |
| Securities available for sale | 5,508,000 | 7,952,000 | 11,644,000 | 12,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,174,000 | 81,699,000 | 83,570,000 | 90,063,000 |
| Interest-bearing deposits | 61,308,000 | 73,655,000 | 74,818,000 | 80,026,000 |
| Noninterest-bearing deposits | 8,866,000 | 8,044,000 | 8,752,000 | 10,037,000 |
| Equity capital | 9,761,000 | 10,078,000 | 10,560,000 | 9,581,000 |
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 | 1,346,000 | 2,844,000 | 4,384,000 | 6,005,000 |
| Interest expense | 338,000 | 701,000 | 1,060,000 | 1,447,000 |
| Net interest income | 1,008,000 | 2,143,000 | 3,324,000 | 4,558,000 |
| Noninterest income | 157,000 | 292,000 | 1,040,000 | 1,195,000 |
| Noninterest expense | 745,000 | 1,623,000 | 2,591,000 | 3,650,000 |
| Provision for loan losses | 120,000 | 245,000 | 335,000 | 675,000 |
| Pretax income | 300,000 | 567,000 | 1,438,000 | 1,454,000 |
| Income tax | 114,000 | 210,000 | 511,000 | 509,000 |
| Net income | 186,000 | 357,000 | 927,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,560,000 | 9,737,000 | 10,315,000 | 9,339,000 |
| Total capital | 10,414,000 | 10,677,000 | 11,312,000 | 10,372,000 |
| Risk-weighted assets | 68,094,000 | 74,991,000 | 79,601,000 | 82,349,000 |