Call reports 2003
AUBURNBANK — 2003
What AUBURNBANK 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 | 507,228,000 | 519,724,000 | 516,968,000 | 587,536,000 |
| Total loans | 259,310,000 | 259,189,000 | 252,626,000 | 257,092,000 |
| Allowance for loan losses | 4,835,000 | 4,903,000 | 4,811,000 | 4,313,000 |
| Securities available for sale | 200,941,000 | 225,943,000 | 215,540,000 | 283,323,000 |
| Securities held to maturity | 1,990,000 | 1,502,000 | 1,328,000 | 1,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,523,000 | 417,387,000 | 415,687,000 | 436,289,000 |
| Interest-bearing deposits | 350,865,000 | 356,860,000 | 356,641,000 | 375,474,000 |
| Noninterest-bearing deposits | 57,658,000 | 60,527,000 | 59,046,000 | 60,816,000 |
| Equity capital | 37,879,000 | 39,017,000 | 36,676,000 | 43,162,000 |
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 | 6,444,000 | 12,631,000 | 18,636,000 | 25,071,000 |
| Interest expense | 2,962,000 | 5,781,000 | 8,496,000 | 11,367,000 |
| Net interest income | 3,482,000 | 6,850,000 | 10,140,000 | 13,704,000 |
| Noninterest income | 1,527,000 | 3,031,000 | 4,543,000 | 5,745,000 |
| Noninterest expense | 2,909,000 | 6,428,000 | 9,271,000 | 12,001,000 |
| Provision for loan losses | 225,000 | 400,000 | 525,000 | 675,000 |
| Pretax income | 1,891,000 | 3,803,000 | 5,706,000 | 7,768,000 |
| Income tax | 549,000 | 1,126,000 | 1,707,000 | 2,311,000 |
| Net income | 1,342,000 | 2,677,000 | 3,999,000 | 5,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,150,000 | 37,017,000 | 37,871,000 | 43,857,000 |
| Total capital | 39,916,000 | 40,801,000 | 41,567,000 | 47,786,000 |
| Risk-weighted assets | 300,182,000 | 301,780,000 | 294,633,000 | 313,960,000 |