Call reports 2003
TRISTAR BANK — 2003
What TRISTAR 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 | 59,071,000 | 63,714,000 | 66,018,000 | 68,425,000 |
| Total loans | 37,218,000 | 37,650,000 | 41,882,000 | 44,982,000 |
| Allowance for loan losses | 556,000 | 552,000 | 591,000 | 591,000 |
| Securities available for sale | 12,670,000 | 17,937,000 | 16,505,000 | 17,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,730,000 | 55,129,000 | 57,407,000 | 58,898,000 |
| Interest-bearing deposits | 46,801,000 | 50,784,000 | 52,790,000 | 54,064,000 |
| Noninterest-bearing deposits | 3,929,000 | 4,345,000 | 4,617,000 | 4,834,000 |
| Equity capital | 8,068,000 | 8,390,000 | 8,208,000 | 8,150,000 |
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 | 825,000 | 1,673,000 | 2,575,000 | 3,508,000 |
| Interest expense | 321,000 | 670,000 | 1,027,000 | 1,383,000 |
| Net interest income | 504,000 | 1,003,000 | 1,548,000 | 2,125,000 |
| Noninterest income | 218,000 | 464,000 | 840,000 | 1,028,000 |
| Noninterest expense | 501,000 | 1,018,000 | 1,659,000 | 2,241,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 50,000 |
| Pretax income | 232,000 | 491,000 | 748,000 | 923,000 |
| Income tax | 72,000 | 156,000 | 178,000 | 211,000 |
| Net income | 160,000 | 335,000 | 570,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,970,000 | 8,145,000 | 8,381,000 | 8,370,000 |
| Total capital | 8,527,000 | 8,697,000 | 8,972,000 | 8,961,000 |
| Risk-weighted assets | 44,437,000 | 51,464,000 | 55,251,000 | 55,302,000 |