Call reports 2003
PRIVEST BANK — 2003
What PRIVEST 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 | 79,493,000 | 82,277,000 | 83,917,000 | 77,179,000 |
| Total loans | 42,753,000 | 40,963,000 | 44,384,000 | 46,302,000 |
| Allowance for loan losses | 353,000 | 393,000 | 448,000 | 480,000 |
| Securities available for sale | 22,355,000 | 9,544,000 | 20,260,000 | 13,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,951,000 | 75,608,000 | 75,561,000 | 70,576,000 |
| Interest-bearing deposits | 38,439,000 | 54,155,000 | 45,880,000 | 40,267,000 |
| Noninterest-bearing deposits | 34,512,000 | 21,453,000 | 29,681,000 | 30,309,000 |
| Equity capital | 5,109,000 | 5,212,000 | 5,378,000 | 4,571,000 |
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 | 767,000 | 1,579,000 | 2,428,000 | 3,252,000 |
| Interest expense | 130,000 | 274,000 | 383,000 | 489,000 |
| Net interest income | 637,000 | 1,305,000 | 2,045,000 | 2,763,000 |
| Noninterest income | 110,000 | 287,000 | 454,000 | 581,000 |
| Noninterest expense | 617,000 | 1,311,000 | 1,978,000 | 3,501,000 |
| Provision for loan losses | 55,000 | 95,000 | 140,000 | 285,000 |
| Pretax income | 77,000 | 188,000 | 383,000 | -440,000 |
| Income tax | 3,000 | 7,000 | 13,000 | -15,000 |
| Net income | 74,000 | 181,000 | 370,000 | -425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,049,000 | 5,171,000 | 5,344,000 | 4,530,000 |
| Total capital | 5,439,000 | 5,601,000 | 5,819,000 | 5,040,000 |
| Risk-weighted assets | 45,186,000 | 45,971,000 | 46,607,000 | 47,581,000 |