Call reports 2003
TRUCOMMUNITY BANK — 2003
What TRUCOMMUNITY 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 | 57,220,000 | 55,494,000 | 57,101,000 | 56,097,000 |
| Total loans | 32,427,000 | 33,388,000 | 33,034,000 | 31,944,000 |
| Allowance for loan losses | 1,019,000 | 1,100,000 | 1,110,000 | 1,127,000 |
| Securities available for sale | 17,542,000 | 18,577,000 | 17,363,000 | 19,800,000 |
| Securities held to maturity | 1,310,000 | 694,000 | 619,000 | 793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,586,000 | 48,457,000 | 50,408,000 | 49,000,000 |
| Interest-bearing deposits | 45,202,000 | 43,373,000 | 44,757,000 | 43,673,000 |
| Noninterest-bearing deposits | 5,384,000 | 5,084,000 | 5,651,000 | 5,327,000 |
| Equity capital | 6,205,000 | 6,357,000 | 6,279,000 | 6,053,000 |
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 | 808,000 | 1,606,000 | 2,375,000 | 3,147,000 |
| Interest expense | 263,000 | 513,000 | 756,000 | 991,000 |
| Net interest income | 545,000 | 1,093,000 | 1,619,000 | 2,156,000 |
| Noninterest income | 88,000 | 156,000 | 226,000 | 295,000 |
| Noninterest expense | 388,000 | 810,000 | 1,215,000 | 1,761,000 |
| Provision for loan losses | 60,000 | 120,000 | 135,000 | 150,000 |
| Pretax income | 185,000 | 319,000 | 495,000 | 540,000 |
| Income tax | 58,000 | 99,000 | 155,000 | 164,000 |
| Net income | 127,000 | 220,000 | 340,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,877,000 | 5,940,000 | 6,030,000 | 5,826,000 |
| Total capital | 6,319,000 | 6,374,000 | 6,471,000 | 6,254,000 |
| Risk-weighted assets | 34,786,000 | 34,023,000 | 34,587,000 | 33,509,000 |