Call reports 2003
AFFINITY BANK — 2003
What AFFINITY 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 | 704,271,000 | 717,714,000 | 763,798,000 | 841,007,000 |
| Total loans | 506,192,000 | 543,922,000 | 615,922,000 | 682,860,000 |
| Allowance for loan losses | 5,720,000 | 5,995,000 | 6,870,000 | 8,488,000 |
| Securities available for sale | 110,117,000 | 115,547,000 | 118,182,000 | 127,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,076,000 | 536,200,000 | 538,071,000 | 554,330,000 |
| Interest-bearing deposits | 506,294,000 | 514,374,000 | 529,246,000 | 549,433,000 |
| Noninterest-bearing deposits | 23,782,000 | 21,826,000 | 8,825,000 | 4,897,000 |
| Equity capital | 52,016,000 | 55,774,000 | 57,088,000 | 63,259,000 |
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 | 12,137,000 | 24,531,000 | 37,171,000 | 48,919,000 |
| Interest expense | 4,796,000 | 9,496,000 | 14,200,000 | 18,638,000 |
| Net interest income | 7,341,000 | 15,035,000 | 22,971,000 | 30,281,000 |
| Noninterest income | 1,410,000 | 2,755,000 | 4,348,000 | 4,883,000 |
| Noninterest expense | 3,931,000 | 8,410,000 | 13,427,000 | 15,952,000 |
| Provision for loan losses | 15,000 | 874,000 | 1,783,000 | 3,415,000 |
| Pretax income | 4,863,000 | 8,774,000 | 12,720,000 | 16,891,000 |
| Income tax | 170,000 | 307,000 | 446,000 | 592,000 |
| Net income | 4,693,000 | 8,467,000 | 12,274,000 | 15,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,789,000 | 53,563,000 | 55,370,000 | 61,148,000 |
| Total capital | 55,709,000 | 59,866,000 | 62,579,000 | 69,402,000 |
| Risk-weighted assets | 500,598,000 | 525,146,000 | 605,954,000 | 659,821,000 |