Call reports 2003
FIRST NATIONAL BANK OF LUVERNE — 2003
What FIRST NATIONAL BANK OF LUVERNE 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 | 25,776,000 | 24,763,000 | 25,217,000 | 24,235,000 |
| Total loans | 18,777,000 | 18,660,000 | 19,029,000 | 12,061,000 |
| Allowance for loan losses | 211,000 | 210,000 | 297,000 | 297,000 |
| Securities available for sale | 2,907,000 | 2,680,000 | 2,736,000 | 9,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,047,000 | 21,987,000 | 22,491,000 | 21,456,000 |
| Interest-bearing deposits | 19,386,000 | 19,485,000 | 18,926,000 | 18,457,000 |
| Noninterest-bearing deposits | 2,661,000 | 2,502,000 | 3,565,000 | 2,999,000 |
| Equity capital | 3,565,000 | 2,624,000 | 2,599,000 | 2,649,000 |
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 | 385,000 | 754,000 | 1,109,000 | 1,457,000 |
| Interest expense | 137,000 | 270,000 | 399,000 | 521,000 |
| Net interest income | 248,000 | 484,000 | 710,000 | 936,000 |
| Noninterest income | 42,000 | 87,000 | 134,000 | 176,000 |
| Noninterest expense | 196,000 | 404,000 | 601,000 | 801,000 |
| Provision for loan losses | 8,000 | 8,000 | 101,000 | 101,000 |
| Pretax income | 86,000 | 159,000 | 142,000 | 210,000 |
| Income tax | 30,000 | 55,000 | 43,000 | 67,000 |
| Net income | 56,000 | 104,000 | 99,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,567,000 | 2,614,000 | 2,610,000 | 2,654,000 |
| Total capital | 3,778,000 | 2,824,000 | 2,850,000 | 2,882,000 |
| Risk-weighted assets | 19,681,000 | 19,101,000 | 19,129,000 | 18,136,000 |
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