Call reports 2003
FIRST CREDIT BANK — 2003
What FIRST CREDIT 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 | 335,048,000 | 344,381,000 | 366,571,000 | 376,190,000 |
| Total loans | 240,251,000 | 260,029,000 | 264,299,000 | 270,159,000 |
| Allowance for loan losses | 5,584,000 | 5,674,000 | 5,764,000 | 6,654,000 |
| Securities available for sale | 29,969,000 | 31,334,000 | 31,835,000 | 29,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,665,000 | 287,881,000 | 288,173,000 | 298,084,000 |
| Interest-bearing deposits | 273,418,000 | 281,193,000 | 280,037,000 | 288,697,000 |
| Noninterest-bearing deposits | 6,247,000 | 6,688,000 | 8,136,000 | 9,387,000 |
| Equity capital | 51,576,000 | 52,337,000 | 53,456,000 | 55,022,000 |
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 | 4,929,000 | 9,972,000 | 15,253,000 | 22,752,000 |
| Interest expense | 1,699,000 | 3,189,000 | 4,589,000 | 5,956,000 |
| Net interest income | 3,230,000 | 6,783,000 | 10,664,000 | 16,796,000 |
| Noninterest income | 755,000 | 803,000 | 840,000 | 885,000 |
| Noninterest expense | 677,000 | 1,485,000 | 2,602,000 | 4,275,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,160,000 |
| Pretax income | 3,377,000 | 6,080,000 | 8,791,000 | 12,737,000 |
| Income tax | 398,000 | 417,000 | 531,000 | 822,000 |
| Net income | 2,979,000 | 5,663,000 | 8,260,000 | 11,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,053,000 | 51,288,000 | 52,557,000 | 54,164,000 |
| Total capital | 54,614,000 | 55,057,000 | 56,376,000 | 57,978,000 |
| Risk-weighted assets | 273,978,000 | 290,865,000 | 295,134,000 | 302,093,000 |
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