Call reports 2003
EMPRISE BANK, NATIONAL ASSOCIATION — 2003
What EMPRISE BANK, 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 | 93,423,000 | 94,028,000 | 92,879,000 | 91,812,000 |
| Total loans | 64,878,000 | 63,951,000 | 62,717,000 | 60,069,000 |
| Allowance for loan losses | 488,000 | 487,000 | 487,000 | 486,000 |
| Securities available for sale | 20,956,000 | 19,056,000 | 20,278,000 | 20,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,421,000 | 83,970,000 | 83,017,000 | 83,140,000 |
| Interest-bearing deposits | 71,530,000 | 70,329,000 | 69,159,000 | 68,919,000 |
| Noninterest-bearing deposits | 11,891,000 | 13,641,000 | 13,858,000 | 14,221,000 |
| Equity capital | 8,777,000 | 8,875,000 | 8,594,000 | 7,617,000 |
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 | 1,035,000 | 2,101,000 | 3,107,000 | 4,082,000 |
| Interest expense | 279,000 | 558,000 | 810,000 | 1,046,000 |
| Net interest income | 756,000 | 1,543,000 | 2,297,000 | 3,036,000 |
| Noninterest income | 161,000 | 387,000 | 636,000 | 849,000 |
| Noninterest expense | 719,000 | 1,395,000 | 2,080,000 | 2,784,000 |
| Provision for loan losses | 7,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 191,000 | 528,000 | 846,000 | 1,094,000 |
| Income tax | 8,000 | 23,000 | 35,000 | 44,000 |
| Net income | 183,000 | 505,000 | 811,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,331,000 | 8,285,000 | 8,223,000 | 7,312,000 |
| Total capital | 8,819,000 | 8,772,000 | 8,710,000 | 7,798,000 |
| Risk-weighted assets | 55,554,000 | 56,273,000 | 55,642,000 | 54,245,000 |