Call reports 2003
FREMONT BANK — 2003
What FREMONT 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 | 1,592,161,000 | 1,774,633,000 | 1,753,988,000 | 1,685,854,000 |
| Total loans | 1,204,154,000 | 1,312,420,000 | 1,121,192,000 | 1,164,640,000 |
| Allowance for loan losses | 10,278,000 | 10,369,000 | 10,366,000 | 10,080,000 |
| Securities available for sale | 51,541,000 | 49,532,000 | 81,753,000 | 36,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,265,485,000 | 1,429,710,000 | 1,360,053,000 | 1,280,984,000 |
| Interest-bearing deposits | 673,449,000 | 750,497,000 | 796,899,000 | 782,613,000 |
| Noninterest-bearing deposits | 592,036,000 | 679,213,000 | 563,154,000 | 498,371,000 |
| Equity capital | 115,523,000 | 123,207,000 | 135,461,000 | 135,177,000 |
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 | 19,049,000 | 39,424,000 | 60,771,000 | 78,571,000 |
| Interest expense | 4,552,000 | 9,489,000 | 14,396,000 | 19,493,000 |
| Net interest income | 14,497,000 | 29,935,000 | 46,375,000 | 59,078,000 |
| Noninterest income | 17,677,000 | 42,866,000 | 77,775,000 | 81,879,000 |
| Noninterest expense | 18,444,000 | 47,359,000 | 76,831,000 | 93,215,000 |
| Provision for loan losses | 113,000 | 225,000 | 338,000 | 450,000 |
| Pretax income | 14,494,000 | 28,034,000 | 49,798,000 | 50,166,000 |
| Income tax | 6,093,000 | 11,967,000 | 21,206,000 | 21,573,000 |
| Net income | 8,401,000 | 16,067,000 | 28,592,000 | 28,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,659,000 | 118,192,000 | 130,513,000 | 130,401,000 |
| Total capital | 120,937,000 | 128,561,000 | 140,879,000 | 140,481,000 |
| Risk-weighted assets | 1,043,349,000 | 1,091,518,000 | 1,104,952,000 | 1,185,847,000 |