Call reports 2003
BANK OF TUSCALOOSA, THE — 2003
What BANK OF TUSCALOOSA, THE 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 | 313,697,000 | 313,740,000 | 312,581,000 | 318,320,000 |
| Total loans | 263,625,000 | 262,696,000 | 263,968,000 | 266,332,000 |
| Allowance for loan losses | 3,607,000 | 3,955,000 | 4,025,000 | 4,241,000 |
| Securities available for sale | 32,718,000 | 32,850,000 | 34,390,000 | 34,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,376,000 | 257,998,000 | 264,491,000 | 264,799,000 |
| Interest-bearing deposits | 217,097,000 | 212,164,000 | 221,475,000 | 222,055,000 |
| Noninterest-bearing deposits | 43,279,000 | 45,834,000 | 43,016,000 | 42,744,000 |
| Equity capital | 27,409,000 | 26,930,000 | 27,300,000 | 27,785,000 |
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 | 4,381,000 | 8,669,000 | 12,794,000 | 16,827,000 |
| Interest expense | 1,137,000 | 2,224,000 | 3,166,000 | 4,054,000 |
| Net interest income | 3,244,000 | 6,445,000 | 9,628,000 | 12,773,000 |
| Noninterest income | 630,000 | 1,299,000 | 2,028,000 | 2,761,000 |
| Noninterest expense | 1,974,000 | 4,034,000 | 6,103,000 | 8,200,000 |
| Provision for loan losses | 450,000 | 950,000 | 1,525,000 | 1,975,000 |
| Pretax income | 1,450,000 | 2,760,000 | 4,028,000 | 5,359,000 |
| Income tax | 475,000 | 899,000 | 1,306,000 | 1,737,000 |
| Net income | 975,000 | 1,861,000 | 2,722,000 | 3,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,786,000 | 26,220,000 | 26,779,000 | 27,382,000 |
| Total capital | 30,393,000 | 29,886,000 | 30,480,000 | 31,088,000 |
| Risk-weighted assets | 292,333,000 | 293,018,000 | 296,362,000 | 296,027,000 |