Call reports 2003
FIRST NATIONAL BANK OF WELLSTON, THE — 2003
What FIRST NATIONAL BANK OF WELLSTON, 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 | 81,677,000 | 83,306,000 | 81,420,000 | 82,369,000 |
| Total loans | 56,962,000 | 57,626,000 | 57,538,000 | 57,973,000 |
| Allowance for loan losses | 559,000 | 515,000 | 521,000 | 538,000 |
| Securities available for sale | 19,032,000 | 18,304,000 | 18,797,000 | 18,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,799,000 | 72,265,000 | 70,428,000 | 71,392,000 |
| Interest-bearing deposits | 64,441,000 | 65,833,000 | 64,705,000 | 65,345,000 |
| Noninterest-bearing deposits | 6,358,000 | 6,432,000 | 5,723,000 | 6,047,000 |
| Equity capital | 10,390,000 | 10,591,000 | 10,649,000 | 10,650,000 |
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 | 1,294,000 | 2,580,000 | 3,849,000 | 5,106,000 |
| Interest expense | 442,000 | 851,000 | 1,242,000 | 1,616,000 |
| Net interest income | 852,000 | 1,729,000 | 2,607,000 | 3,490,000 |
| Noninterest income | 112,000 | 233,000 | 359,000 | 492,000 |
| Noninterest expense | 649,000 | 1,253,000 | 1,896,000 | 2,610,000 |
| Provision for loan losses | 30,000 | 60,000 | 98,000 | 135,000 |
| Pretax income | 285,000 | 649,000 | 972,000 | 1,237,000 |
| Income tax | 85,000 | 167,000 | 248,000 | 311,000 |
| Net income | 200,000 | 482,000 | 724,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,996,000 | 10,078,000 | 10,319,000 | 10,311,000 |
| Total capital | 10,555,000 | 10,593,000 | 10,840,000 | 10,849,000 |
| Risk-weighted assets | 47,722,000 | 48,264,000 | 47,743,000 | 47,932,000 |
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