Call reports 2003
BSB BANK & TRUST COMPANY — 2003
What BSB BANK & TRUST COMPANY 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 | 2,055,764,000 | 2,155,885,000 | 2,172,500,000 | 2,209,322,000 |
| Total loans | 1,402,098,000 | 1,434,165,000 | 1,468,085,000 | 1,453,499,000 |
| Allowance for loan losses | 65,944,000 | 62,607,000 | 61,382,000 | 47,421,000 |
| Securities available for sale | 577,971,000 | 634,294,000 | 615,625,000 | 623,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,477,905,000 | 1,503,109,000 | 1,505,438,000 | 1,608,362,000 |
| Interest-bearing deposits | 1,305,670,000 | 1,319,425,000 | 1,326,327,000 | 1,432,408,000 |
| Noninterest-bearing deposits | 172,235,000 | 183,684,000 | 179,111,000 | 175,955,000 |
| Equity capital | 163,014,000 | 167,905,000 | 170,167,000 | 174,777,000 |
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 | 29,401,000 | 58,365,000 | 86,518,000 | 114,784,000 |
| Interest expense | 10,118,000 | 20,448,000 | 30,243,000 | 39,935,000 |
| Net interest income | 19,283,000 | 37,917,000 | 56,275,000 | 74,849,000 |
| Noninterest income | 3,003,000 | 6,090,000 | 9,254,000 | 12,153,000 |
| Noninterest expense | 11,775,000 | 23,722,000 | 35,468,000 | 48,074,000 |
| Provision for loan losses | 3,968,000 | 6,948,000 | 9,828,000 | 10,088,000 |
| Pretax income | 6,872,000 | 13,972,000 | 21,259,000 | 30,179,000 |
| Income tax | 1,930,000 | 3,957,000 | 6,023,000 | 8,725,000 |
| Net income | 4,942,000 | 10,015,000 | 15,236,000 | 21,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,841,000 | 159,935,000 | 165,067,000 | 171,239,000 |
| Total capital | 173,078,000 | 178,481,000 | 183,466,000 | 190,419,000 |
| Risk-weighted assets | 1,411,274,000 | 1,439,586,000 | 1,428,917,000 | 1,506,123,000 |