Call reports 2003
ADVANTAGE BANK — 2003
What ADVANTAGE 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 | 1,063,151,000 | 1,062,700,000 | 1,032,861,000 | 1,024,623,000 |
| Total loans | 765,961,000 | 761,327,000 | 800,551,000 | 804,872,000 |
| Allowance for loan losses | 5,702,000 | 5,769,000 | 5,329,000 | 5,641,000 |
| Securities available for sale | 147,992,000 | 167,903,000 | 120,413,000 | 104,448,000 |
| Securities held to maturity | 19,084,000 | 15,336,000 | 11,203,000 | 8,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,742,000 | 689,944,000 | 668,684,000 | 675,985,000 |
| Interest-bearing deposits | 667,227,000 | 656,558,000 | 638,747,000 | 649,162,000 |
| Noninterest-bearing deposits | 31,515,000 | 33,386,000 | 29,937,000 | 26,823,000 |
| Equity capital | 80,993,000 | 80,427,000 | 78,007,000 | 78,734,000 |
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 | 14,711,000 | 28,595,000 | 41,931,000 | 55,554,000 |
| Interest expense | 8,327,000 | 16,302,000 | 23,962,000 | 31,242,000 |
| Net interest income | 6,384,000 | 12,293,000 | 17,969,000 | 24,312,000 |
| Noninterest income | 3,238,000 | 6,248,000 | 7,825,000 | 11,080,000 |
| Noninterest expense | 5,693,000 | 11,695,000 | 17,084,000 | 24,930,000 |
| Provision for loan losses | 420,000 | 675,000 | 930,000 | 1,446,000 |
| Pretax income | 3,509,000 | 6,356,000 | 8,496,000 | 9,855,000 |
| Income tax | 1,038,000 | 1,745,000 | 2,334,000 | 3,060,000 |
| Net income | 2,471,000 | 4,611,000 | 6,162,000 | 6,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,700,000 | 75,330,000 | 74,418,000 | 75,016,000 |
| Total capital | 81,402,000 | 81,099,000 | 79,747,000 | 80,657,000 |
| Risk-weighted assets | 634,292,000 | 628,231,000 | 645,635,000 | 644,235,000 |