Call reports 2003
SKY BANK — 2003
What SKY 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 | 10,479,566,000 | 11,824,721,000 | 11,625,444,000 | 11,844,146,000 |
| Total loans | 7,461,184,000 | 8,530,226,000 | 8,401,065,000 | 8,617,037,000 |
| Allowance for loan losses | 106,136,000 | 122,366,000 | 121,408,000 | 124,020,000 |
| Securities available for sale | 2,346,292,000 | 2,414,953,000 | 2,436,002,000 | 2,368,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,046,323,000 | 8,734,151,000 | 8,648,504,000 | 8,573,522,000 |
| Interest-bearing deposits | 7,717,920,000 | 8,329,409,000 | 8,302,534,000 | 8,210,052,000 |
| Noninterest-bearing deposits | 328,403,000 | 404,742,000 | 345,970,000 | 363,470,000 |
| Equity capital | 738,356,000 | 893,516,000 | 901,040,000 | 942,888,000 |
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 | 140,499,000 | 289,430,000 | 439,732,000 | 590,806,000 |
| Interest expense | 48,763,000 | 98,041,000 | 144,806,000 | 190,484,000 |
| Net interest income | 91,736,000 | 191,389,000 | 294,926,000 | 400,322,000 |
| Noninterest income | 29,255,000 | 65,241,000 | 106,509,000 | 134,803,000 |
| Noninterest expense | 59,644,000 | 128,140,000 | 197,086,000 | 264,801,000 |
| Provision for loan losses | 7,275,000 | 15,375,000 | 23,475,000 | 33,225,000 |
| Pretax income | 54,649,000 | 113,570,000 | 179,238,000 | 237,636,000 |
| Income tax | 18,398,000 | 38,497,000 | 60,478,000 | 80,292,000 |
| Net income | 36,251,000 | 75,073,000 | 118,760,000 | 157,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 681,412,000 | 775,492,000 | 798,301,000 | 820,083,000 |
| Total capital | 858,438,000 | 964,365,000 | 985,517,000 | 1,009,498,000 |
| Risk-weighted assets | 8,018,804,000 | 9,002,917,000 | 8,871,650,000 | 9,039,957,000 |