Call reports 2003
CURRENCY BANK — 2003
What CURRENCY 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 | 17,350,000 | 16,913,000 | 16,963,000 | 16,773,000 |
| Total loans | 8,093,000 | 8,869,000 | 8,548,000 | 7,993,000 |
| Allowance for loan losses | 80,000 | 81,000 | 81,000 | 77,000 |
| Securities available for sale | 6,494,000 | 4,910,000 | 4,905,000 | 6,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,022,000 | 14,570,000 | 14,606,000 | 14,454,000 |
| Interest-bearing deposits | 12,855,000 | 12,350,000 | 12,077,000 | 11,822,000 |
| Noninterest-bearing deposits | 2,167,000 | 2,220,000 | 2,529,000 | 2,632,000 |
| Equity capital | 2,279,000 | 2,293,000 | 2,296,000 | 2,280,000 |
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 | 220,000 | 437,000 | 654,000 | 860,000 |
| Interest expense | 68,000 | 124,000 | 174,000 | 219,000 |
| Net interest income | 152,000 | 313,000 | 480,000 | 641,000 |
| Noninterest income | 55,000 | 118,000 | 172,000 | 230,000 |
| Noninterest expense | 190,000 | 399,000 | 600,000 | 803,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 14,000 | 26,000 | 43,000 | 56,000 |
| Income tax | 5,000 | 9,000 | 15,000 | 19,000 |
| Net income | 9,000 | 17,000 | 28,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,098,000 | 2,114,000 | 2,108,000 | 2,110,000 |
| Total capital | 2,178,000 | 2,195,000 | 2,189,000 | 2,187,000 |
| Risk-weighted assets | 11,820,000 | 12,514,000 | 11,680,000 | 11,043,000 |