Call reports 2003
RANDOLPH NATIONAL BANK — 2003
What RANDOLPH 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 | 110,010,000 | 112,413,000 | 116,819,000 | 115,284,000 |
| Total loans | 86,548,000 | 89,030,000 | 95,507,000 | 97,886,000 |
| Allowance for loan losses | 937,000 | 957,000 | 1,004,000 | 1,056,000 |
| Securities available for sale | 3,001,000 | 8,043,000 | 6,159,000 | 6,158,000 |
| Securities held to maturity | 5,488,000 | 5,191,000 | 4,054,000 | 3,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,642,000 | 96,007,000 | 99,270,000 | 96,946,000 |
| Interest-bearing deposits | 78,897,000 | 78,302,000 | 78,856,000 | 77,536,000 |
| Noninterest-bearing deposits | 15,745,000 | 17,705,000 | 20,414,000 | 19,410,000 |
| Equity capital | 10,187,000 | 10,337,000 | 10,446,000 | 10,653,000 |
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 | 1,688,000 | 3,396,000 | 5,150,000 | 6,865,000 |
| Interest expense | 382,000 | 706,000 | 983,000 | 1,239,000 |
| Net interest income | 1,306,000 | 2,690,000 | 4,167,000 | 5,626,000 |
| Noninterest income | 125,000 | 270,000 | 432,000 | 576,000 |
| Noninterest expense | 1,091,000 | 2,238,000 | 3,368,000 | 4,514,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 204,000 |
| Pretax income | 289,000 | 620,000 | 1,067,000 | 1,473,000 |
| Income tax | 89,000 | 192,000 | 337,000 | 465,000 |
| Net income | 200,000 | 428,000 | 730,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,119,000 | 10,241,000 | 10,471,000 | 10,679,000 |
| Total capital | 11,056,000 | 11,198,000 | 11,475,000 | 11,735,000 |
| Risk-weighted assets | 74,442,000 | 80,524,000 | 83,388,000 | 85,155,000 |
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