Call reports 2003
PARAGON BANK & TRUST — 2003
What PARAGON BANK & TRUST 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 | 106,738,000 | 107,484,000 | 103,874,000 | 104,594,000 |
| Total loans | 91,872,000 | 87,338,000 | 87,423,000 | 89,499,000 |
| Allowance for loan losses | 1,562,000 | 1,451,000 | 1,436,000 | 1,365,000 |
| Securities available for sale | 4,465,000 | 4,212,000 | 4,202,000 | 3,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,634,000 | 93,705,000 | 88,222,000 | 85,768,000 |
| Interest-bearing deposits | 81,965,000 | 87,147,000 | 81,562,000 | 78,062,000 |
| Noninterest-bearing deposits | 6,669,000 | 6,558,000 | 6,660,000 | 7,706,000 |
| Equity capital | 10,335,000 | 10,579,000 | 10,881,000 | 11,046,000 |
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 | 1,457,000 | 2,908,000 | 4,287,000 | 5,633,000 |
| Interest expense | 543,000 | 1,075,000 | 1,556,000 | 1,991,000 |
| Net interest income | 914,000 | 1,833,000 | 2,731,000 | 3,642,000 |
| Noninterest income | 707,000 | 1,356,000 | 2,037,000 | 2,605,000 |
| Noninterest expense | 1,117,000 | 2,302,000 | 3,409,000 | 4,543,000 |
| Provision for loan losses | 255,000 | 273,000 | 272,000 | 358,000 |
| Pretax income | 249,000 | 614,000 | 1,087,000 | 1,346,000 |
| Income tax | 83,000 | 207,000 | 368,000 | 455,000 |
| Net income | 166,000 | 407,000 | 719,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,983,000 | 9,225,000 | 9,537,000 | 9,708,000 |
| Total capital | 10,178,000 | 10,384,000 | 10,696,000 | 10,873,000 |
| Risk-weighted assets | 95,239,000 | 92,392,000 | 92,451,000 | 92,973,000 |