Call reports 2003
FIRST TEAM BANK — 2003
What FIRST TEAM 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 | 216,888,000 | 206,150,000 | 209,070,000 | 213,532,000 |
| Total loans | 92,540,000 | 90,308,000 | 90,431,000 | 93,310,000 |
| Allowance for loan losses | 1,239,000 | 1,295,000 | 1,338,000 | 1,355,000 |
| Securities available for sale | 105,630,000 | 97,534,000 | 100,117,000 | 98,353,000 |
| Securities held to maturity | 1,389,000 | 1,388,000 | 1,101,000 | 1,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,136,000 | 175,612,000 | 176,368,000 | 178,553,000 |
| Interest-bearing deposits | 165,311,000 | 158,838,000 | 157,743,000 | 161,539,000 |
| Noninterest-bearing deposits | 17,825,000 | 16,774,000 | 18,625,000 | 17,014,000 |
| Equity capital | 20,082,000 | 20,713,000 | 20,438,000 | 19,998,000 |
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 | 2,529,000 | 4,953,000 | 7,251,000 | 9,733,000 |
| Interest expense | 1,046,000 | 1,846,000 | 2,571,000 | 3,311,000 |
| Net interest income | 1,483,000 | 3,107,000 | 4,680,000 | 6,422,000 |
| Noninterest income | 221,000 | 477,000 | 726,000 | 1,009,000 |
| Noninterest expense | 1,132,000 | 2,317,000 | 3,601,000 | 4,825,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 240,000 |
| Pretax income | 592,000 | 1,531,000 | 2,019,000 | 2,804,000 |
| Income tax | 95,000 | 362,000 | 373,000 | 542,000 |
| Net income | 497,000 | 1,169,000 | 1,646,000 | 2,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,973,000 | 17,691,000 | 18,074,000 | 17,491,000 |
| Total capital | 18,212,000 | 18,986,000 | 19,412,000 | 18,846,000 |
| Risk-weighted assets | 140,739,000 | 115,059,000 | 116,796,000 | 114,939,000 |