Call reports 2003
POWELL VALLEY NATIONAL BANK — 2003
What POWELL VALLEY NATIONAL 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 | 194,910,000 | 198,639,000 | 201,111,000 | 208,409,000 |
| Total loans | 129,278,000 | 133,779,000 | 136,646,000 | 140,624,000 |
| Allowance for loan losses | 1,323,000 | 1,381,000 | 1,420,000 | 1,507,000 |
| Securities available for sale | 39,493,000 | 41,363,000 | 41,962,000 | 42,189,000 |
| Securities held to maturity | 2,427,000 | 1,872,000 | 1,400,000 | 1,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,386,000 | 168,266,000 | 171,357,000 | 179,265,000 |
| Interest-bearing deposits | 140,388,000 | 143,379,000 | 142,087,000 | 152,764,000 |
| Noninterest-bearing deposits | 25,998,000 | 24,887,000 | 29,270,000 | 26,501,000 |
| Equity capital | 26,114,000 | 27,362,000 | 27,347,000 | 27,673,000 |
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 | 3,066,000 | 6,171,000 | 9,277,000 | 12,470,000 |
| Interest expense | 900,000 | 1,798,000 | 2,650,000 | 3,461,000 |
| Net interest income | 2,166,000 | 4,373,000 | 6,627,000 | 9,009,000 |
| Noninterest income | 171,000 | 355,000 | 544,000 | 680,000 |
| Noninterest expense | 1,209,000 | 2,607,000 | 3,811,000 | 5,218,000 |
| Provision for loan losses | 45,000 | 90,000 | 115,000 | 808,000 |
| Pretax income | 1,089,000 | 2,075,000 | 3,308,000 | 3,726,000 |
| Income tax | 295,000 | 535,000 | 860,000 | 904,000 |
| Net income | 794,000 | 1,540,000 | 2,448,000 | 2,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,827,000 | 24,410,000 | 25,171,000 | 25,408,000 |
| Total capital | 25,164,000 | 25,791,000 | 26,591,000 | 26,915,000 |
| Risk-weighted assets | 134,883,000 | 139,155,000 | 143,064,000 | 143,508,000 |
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