Call reports 2003
APEX BANK — 2003
What APEX 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 | 145,027,000 | 149,426,000 | 146,754,000 | 147,821,000 |
| Total loans | 53,532,000 | 52,845,000 | 51,649,000 | 50,409,000 |
| Allowance for loan losses | 1,158,000 | 1,153,000 | 1,149,000 | 1,221,000 |
| Securities available for sale | 74,436,000 | 71,898,000 | 71,945,000 | 81,909,000 |
| Securities held to maturity | 520,000 | 510,000 | 510,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,856,000 | 124,763,000 | 123,268,000 | 124,439,000 |
| Interest-bearing deposits | 109,297,000 | 111,505,000 | 110,453,000 | 110,506,000 |
| Noninterest-bearing deposits | 13,559,000 | 13,258,000 | 12,815,000 | 13,933,000 |
| Equity capital | 19,917,000 | 21,325,000 | 20,717,000 | 20,969,000 |
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 | 2,059,000 | 4,084,000 | 6,049,000 | 8,002,000 |
| Interest expense | 613,000 | 1,182,000 | 1,686,000 | 2,148,000 |
| Net interest income | 1,446,000 | 2,902,000 | 4,363,000 | 5,854,000 |
| Noninterest income | 152,000 | 392,000 | 639,000 | 888,000 |
| Noninterest expense | 851,000 | 1,724,000 | 2,561,000 | 3,551,000 |
| Provision for loan losses | 60,000 | 80,000 | 120,000 | 230,000 |
| Pretax income | 700,000 | 1,578,000 | 2,436,000 | 2,993,000 |
| Income tax | 159,000 | 397,000 | 621,000 | 732,000 |
| Net income | 541,000 | 1,181,000 | 1,815,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,745,000 | 19,137,000 | 19,831,000 | 20,062,000 |
| Total capital | 19,903,000 | 20,290,000 | 20,980,000 | 21,215,000 |
| Risk-weighted assets | 99,786,000 | 101,288,000 | 97,448,000 | 92,199,000 |