Call reports 2003
TERRABANK, NATIONAL ASSOCIATION — 2003
What TERRABANK, NATIONAL ASSOCIATION 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 | 263,622,000 | 282,809,000 | 307,805,000 | 303,886,000 |
| Total loans | 216,717,000 | 235,156,000 | 225,387,000 | 235,342,000 |
| Allowance for loan losses | 2,698,000 | 2,940,000 | 2,872,000 | 2,945,000 |
| Securities available for sale | 24,433,000 | 26,554,000 | 26,916,000 | 35,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,202,000 | 248,692,000 | 268,015,000 | 260,426,000 |
| Interest-bearing deposits | 181,194,000 | 195,103,000 | 209,113,000 | 209,890,000 |
| Noninterest-bearing deposits | 45,008,000 | 53,589,000 | 58,902,000 | 50,536,000 |
| Equity capital | 22,000,000 | 22,938,000 | 23,651,000 | 24,632,000 |
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 | 3,806,000 | 7,989,000 | 11,818,000 | 15,967,000 |
| Interest expense | 1,055,000 | 2,072,000 | 3,058,000 | 4,033,000 |
| Net interest income | 2,751,000 | 5,917,000 | 8,760,000 | 11,934,000 |
| Noninterest income | 775,000 | 1,538,000 | 2,322,000 | 3,069,000 |
| Noninterest expense | 2,087,000 | 4,212,000 | 6,404,000 | 8,672,000 |
| Provision for loan losses | 83,000 | 398,000 | 448,000 | 548,000 |
| Pretax income | 1,356,000 | 2,845,000 | 4,230,000 | 5,783,000 |
| Income tax | 509,000 | 1,058,000 | 1,566,000 | 2,091,000 |
| Net income | 847,000 | 1,787,000 | 2,664,000 | 3,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,559,000 | 22,499,000 | 23,376,000 | 24,404,000 |
| Total capital | 24,085,000 | 25,198,000 | 25,989,000 | 27,089,000 |
| Risk-weighted assets | 201,942,000 | 215,646,000 | 208,812,000 | 214,530,000 |