Call reports 2003
FIRST SIGNATURE BANK AND TRUST COMPANY — 2003
What FIRST SIGNATURE BANK AND TRUST COMPANY 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 | 103,455,000 | 104,812,000 | 109,108,000 | 354,786,000 |
| Total loans | 12,845,000 | 13,387,000 | 14,011,000 | 14,070,000 |
| Allowance for loan losses | 120,000 | 117,000 | 118,000 | 117,000 |
| Securities available for sale | 24,195,000 | 26,139,000 | 34,636,000 | 271,636,000 |
| Securities held to maturity | 10,658,000 | 8,335,000 | 6,738,000 | 6,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,370,000 | 29,832,000 | 47,164,000 | 265,489,000 |
| Interest-bearing deposits | 19,664,000 | 18,497,000 | 35,679,000 | 259,669,000 |
| Noninterest-bearing deposits | 18,706,000 | 11,336,000 | 11,485,000 | 5,820,000 |
| Equity capital | 13,489,000 | 13,477,000 | 13,379,000 | 26,271,000 |
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 | 1,003,000 | 1,624,000 | 2,144,000 | 3,384,000 |
| Interest expense | 130,000 | 245,000 | 352,000 | 961,000 |
| Net interest income | 873,000 | 1,379,000 | 1,792,000 | 2,423,000 |
| Noninterest income | 201,000 | 440,000 | 666,000 | 810,000 |
| Noninterest expense | 884,000 | 1,632,000 | 2,426,000 | 3,206,000 |
| Provision for loan losses | 13,000 | 40,000 | 44,000 | 48,000 |
| Pretax income | 177,000 | 147,000 | -12,000 | -21,000 |
| Income tax | 53,000 | 23,000 | -55,000 | -68,000 |
| Net income | 124,000 | 124,000 | 43,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,436,000 | 13,436,000 | 13,356,000 | 26,280,000 |
| Total capital | 13,556,000 | 13,553,000 | 13,474,000 | 26,397,000 |
| Risk-weighted assets | 26,807,000 | 26,142,000 | 35,828,000 | 151,200,000 |