Call reports 2003
WHITAKER BANK, INC — 2003
What WHITAKER BANK, INC 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 | 549,521,000 | 545,363,000 | 567,186,000 | 576,951,000 |
| Total loans | 459,552,000 | 461,635,000 | 462,383,000 | 458,400,000 |
| Allowance for loan losses | 9,539,000 | 9,596,000 | 9,616,000 | 9,637,000 |
| Securities available for sale | 58,511,000 | 54,074,000 | 59,673,000 | 63,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,896,000 | 449,632,000 | 464,202,000 | 474,160,000 |
| Interest-bearing deposits | 393,782,000 | 391,191,000 | 406,180,000 | 405,192,000 |
| Noninterest-bearing deposits | 61,114,000 | 58,441,000 | 58,022,000 | 68,968,000 |
| Equity capital | 39,546,000 | 41,957,000 | 42,258,000 | 43,687,000 |
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 | 8,925,000 | 17,725,000 | 26,514,000 | 35,175,000 |
| Interest expense | 2,992,000 | 5,908,000 | 8,764,000 | 11,544,000 |
| Net interest income | 5,933,000 | 11,817,000 | 17,750,000 | 23,631,000 |
| Noninterest income | 764,000 | 1,710,000 | 2,609,000 | 3,513,000 |
| Noninterest expense | 3,930,000 | 8,082,000 | 12,225,000 | 16,817,000 |
| Provision for loan losses | 304,000 | 546,000 | 1,283,000 | 2,453,000 |
| Pretax income | 2,463,000 | 4,897,000 | 6,849,000 | 7,874,000 |
| Income tax | 762,000 | 1,516,000 | 2,104,000 | 2,377,000 |
| Net income | 1,701,000 | 3,381,000 | 4,745,000 | 5,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,466,000 | 40,146,000 | 41,510,000 | 42,041,000 |
| Total capital | 43,774,000 | 45,465,000 | 46,944,000 | 47,425,000 |
| Risk-weighted assets | 420,413,000 | 421,216,000 | 430,568,000 | 426,504,000 |