Call reports 2003
ASSOCIATES CAPITAL BANK, INC. — 2003
What ASSOCIATES CAPITAL BANK, INC. 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 | 309,447,000 | 298,967,000 | 319,126,000 | 332,669,000 |
| Total loans | 238,689,000 | 221,853,000 | 231,012,000 | 297,461,000 |
| Allowance for loan losses | 15,002,000 | 15,002,000 | 15,002,000 | 16,140,000 |
| Securities available for sale | 3,394,000 | 3,068,000 | 2,772,000 | 2,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,792,000 | 210,722,000 | 223,029,000 | 228,052,000 |
| Interest-bearing deposits | 224,046,000 | 207,470,000 | 219,967,000 | 224,800,000 |
| Noninterest-bearing deposits | 3,746,000 | 3,252,000 | 3,062,000 | 3,252,000 |
| Equity capital | 64,713,000 | 68,830,000 | 72,741,000 | 83,523,000 |
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 | 9,365,000 | 18,835,000 | 27,736,000 | 38,797,000 |
| Interest expense | 672,000 | 1,274,000 | 1,882,000 | 2,502,000 |
| Net interest income | 8,693,000 | 17,561,000 | 25,854,000 | 36,295,000 |
| Noninterest income | 2,794,000 | 5,333,000 | 7,715,000 | 10,336,000 |
| Noninterest expense | 1,412,000 | 2,920,000 | 4,446,000 | 6,415,000 |
| Provision for loan losses | 4,494,000 | 7,953,000 | 11,005,000 | 14,102,000 |
| Pretax income | 5,581,000 | 12,021,000 | 18,118,000 | 26,114,000 |
| Income tax | 1,954,000 | 4,280,000 | 6,449,000 | 9,298,000 |
| Net income | 3,627,000 | 7,741,000 | 11,669,000 | 16,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,650,000 | 68,764,000 | 72,692,000 | 83,481,000 |
| Total capital | 67,727,000 | 71,825,000 | 75,947,000 | 87,415,000 |
| Risk-weighted assets | 234,242,000 | 232,961,000 | 248,674,000 | 302,544,000 |