Call reports 2003
BANK OF ADVANCE, THE — 2003
What BANK OF ADVANCE, THE 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 | 141,110,000 | 141,193,000 | 142,567,000 | 143,466,000 |
| Total loans | 87,782,000 | 90,785,000 | 91,744,000 | 89,289,000 |
| Allowance for loan losses | 1,153,000 | 1,254,000 | 1,296,000 | 1,338,000 |
| Securities available for sale | 37,907,000 | 38,835,000 | 37,997,000 | 39,453,000 |
| Securities held to maturity | 1,360,000 | 1,360,000 | 1,255,000 | 895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,306,000 | 112,912,000 | 114,777,000 | 117,340,000 |
| Interest-bearing deposits | 98,093,000 | 96,483,000 | 97,275,000 | 98,407,000 |
| Noninterest-bearing deposits | 16,213,000 | 16,429,000 | 17,502,000 | 18,933,000 |
| Equity capital | 17,963,000 | 18,871,000 | 19,075,000 | 18,602,000 |
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 | 2,170,000 | 4,355,000 | 6,525,000 | 8,638,000 |
| Interest expense | 689,000 | 1,335,000 | 1,914,000 | 2,439,000 |
| Net interest income | 1,481,000 | 3,020,000 | 4,611,000 | 6,199,000 |
| Noninterest income | 199,000 | 421,000 | 635,000 | 856,000 |
| Noninterest expense | 864,000 | 1,742,000 | 2,626,000 | 3,651,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 385,000 |
| Pretax income | 711,000 | 1,489,000 | 2,305,000 | 3,019,000 |
| Income tax | 195,000 | 412,000 | 643,000 | 844,000 |
| Net income | 516,000 | 1,077,000 | 1,662,000 | 2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,021,000 | 17,582,000 | 18,167,000 | 17,780,000 |
| Total capital | 18,174,000 | 18,836,000 | 19,435,000 | 19,006,000 |
| Risk-weighted assets | 99,783,000 | 100,328,000 | 101,408,000 | 98,204,000 |