Call reports 2003
FIRST NATIONAL BANK OF MCGREGOR, THE — 2003
What FIRST NATIONAL BANK OF MCGREGOR, THE 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 | 60,229,000 | 63,880,000 | 67,440,000 | 68,027,000 |
| Total loans | 49,854,000 | 49,331,000 | 49,405,000 | 47,960,000 |
| Allowance for loan losses | 852,000 | 892,000 | 865,000 | 830,000 |
| Securities available for sale | 1,009,000 | 1,000,000 | 0 | 0 |
| Securities held to maturity | 549,000 | 543,000 | 526,000 | 519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,653,000 | 58,168,000 | 61,588,000 | 62,189,000 |
| Interest-bearing deposits | 47,188,000 | 50,472,000 | 53,729,000 | 53,329,000 |
| Noninterest-bearing deposits | 7,465,000 | 7,696,000 | 7,859,000 | 8,860,000 |
| Equity capital | 5,420,000 | 5,543,000 | 5,637,000 | 5,699,000 |
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 | 870,000 | 1,756,000 | 2,649,000 | 3,516,000 |
| Interest expense | 279,000 | 552,000 | 841,000 | 1,121,000 |
| Net interest income | 591,000 | 1,204,000 | 1,808,000 | 2,395,000 |
| Noninterest income | 99,000 | 198,000 | 365,000 | 438,000 |
| Noninterest expense | 556,000 | 1,151,000 | 1,773,000 | 2,353,000 |
| Provision for loan losses | 45,000 | 0 | 0 | 0 |
| Pretax income | 89,000 | 251,000 | 400,000 | 480,000 |
| Income tax | 47,000 | 81,000 | 135,000 | 153,000 |
| Net income | 42,000 | 170,000 | 265,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,411,000 | 5,543,000 | 5,637,000 | 5,699,000 |
| Total capital | 5,968,000 | 6,112,000 | 6,212,000 | 6,258,000 |
| Risk-weighted assets | 44,272,000 | 45,194,000 | 45,715,000 | 44,486,000 |
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