Call reports 2003
REGIONAL BANK — 2003
What REGIONAL 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 | 234,163,000 | 232,504,000 | 235,590,000 | 258,821,000 |
| Total loans | 148,359,000 | 145,085,000 | 148,204,000 | 152,844,000 |
| Allowance for loan losses | 1,823,000 | 1,786,000 | 1,817,000 | 1,661,000 |
| Securities available for sale | 63,925,000 | 64,532,000 | 69,593,000 | 70,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,111,000 | 186,705,000 | 184,887,000 | 211,413,000 |
| Interest-bearing deposits | 174,655,000 | 172,837,000 | 168,622,000 | 195,964,000 |
| Noninterest-bearing deposits | 13,456,000 | 13,868,000 | 16,265,000 | 15,449,000 |
| Equity capital | 21,296,000 | 20,407,000 | 20,429,000 | 21,057,000 |
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 | 3,238,000 | 6,394,000 | 9,400,000 | 12,521,000 |
| Interest expense | 1,480,000 | 2,953,000 | 4,416,000 | 5,781,000 |
| Net interest income | 1,758,000 | 3,441,000 | 4,984,000 | 6,740,000 |
| Noninterest income | 453,000 | 962,000 | 1,506,000 | 1,988,000 |
| Noninterest expense | 1,206,000 | 2,399,000 | 3,620,000 | 4,724,000 |
| Provision for loan losses | 45,000 | 45,000 | 75,000 | 0 |
| Pretax income | 1,040,000 | 2,039,000 | 3,011,000 | 4,220,000 |
| Income tax | 366,000 | 722,000 | 1,048,000 | 1,464,000 |
| Net income | 674,000 | 1,317,000 | 1,963,000 | 2,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,221,000 | 15,308,000 | 15,756,000 | 16,330,000 |
| Total capital | 18,044,000 | 17,094,000 | 17,573,000 | 17,991,000 |
| Risk-weighted assets | 148,399,000 | 149,493,000 | 152,167,000 | 160,661,000 |