Call reports 2003
SECOND NATIONAL BANK OF WARREN, THE — 2003
What SECOND NATIONAL BANK OF WARREN, 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 | 1,904,988,000 | 1,922,420,000 | 2,070,894,000 | 2,112,263,000 |
| Total loans | 1,214,683,000 | 1,199,630,000 | 1,301,618,000 | 1,349,820,000 |
| Allowance for loan losses | 17,756,000 | 18,030,000 | 18,372,000 | 18,874,000 |
| Securities available for sale | 507,976,000 | 524,777,000 | 571,154,000 | 589,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,121,865,000 | 1,172,817,000 | 1,165,282,000 | 1,215,343,000 |
| Interest-bearing deposits | 965,973,000 | 1,017,532,000 | 1,000,040,000 | 1,045,167,000 |
| Noninterest-bearing deposits | 155,892,000 | 155,285,000 | 165,242,000 | 170,176,000 |
| Equity capital | 156,935,000 | 154,901,000 | 147,806,000 | 148,337,000 |
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 | 25,880,000 | 51,246,000 | 76,458,000 | 102,499,000 |
| Interest expense | 11,358,000 | 22,507,000 | 33,476,000 | 44,786,000 |
| Net interest income | 14,522,000 | 28,739,000 | 42,982,000 | 57,713,000 |
| Noninterest income | 13,714,000 | 23,629,000 | 26,771,000 | 31,751,000 |
| Noninterest expense | 12,872,000 | 26,053,000 | 38,420,000 | 51,693,000 |
| Provision for loan losses | 2,173,000 | 5,028,000 | 6,124,000 | 7,610,000 |
| Pretax income | 13,242,000 | 21,338,000 | 28,826,000 | 34,529,000 |
| Income tax | 4,217,000 | 6,682,000 | 8,869,000 | 10,241,000 |
| Net income | 9,025,000 | 14,656,000 | 19,957,000 | 24,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,673,000 | 149,431,000 | 148,702,000 | 151,080,000 |
| Total capital | 168,853,000 | 165,745,000 | 166,060,000 | 169,069,000 |
| Risk-weighted assets | 1,292,803,000 | 1,303,417,000 | 1,387,915,000 | 1,439,058,000 |
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