Call reports 2003
PRESTON NATIONAL BANK — 2003
What PRESTON 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 | 41,817,000 | 42,412,000 | 42,958,000 | 48,134,000 |
| Total loans | 36,035,000 | 37,498,000 | 37,667,000 | 38,762,000 |
| Allowance for loan losses | 661,000 | 609,000 | 632,000 | 429,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,542,000 | 36,951,000 | 37,123,000 | 42,717,000 |
| Interest-bearing deposits | 26,780,000 | 25,097,000 | 25,039,000 | 25,741,000 |
| Noninterest-bearing deposits | 9,762,000 | 11,854,000 | 12,084,000 | 16,976,000 |
| Equity capital | 4,166,000 | 4,093,000 | 4,136,000 | 4,304,000 |
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 | 722,000 | 1,433,000 | 2,147,000 | 2,854,000 |
| Interest expense | 147,000 | 286,000 | 422,000 | 547,000 |
| Net interest income | 575,000 | 1,147,000 | 1,725,000 | 2,307,000 |
| Noninterest income | 224,000 | 433,000 | 648,000 | 893,000 |
| Noninterest expense | 548,000 | 1,221,000 | 1,863,000 | 2,378,000 |
| Provision for loan losses | 115,000 | 160,000 | 205,000 | 350,000 |
| Pretax income | 136,000 | 199,000 | 305,000 | 472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 199,000 | 305,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,059,000 | 3,986,000 | 4,029,000 | 4,197,000 |
| Total capital | 4,467,000 | 4,415,000 | 4,455,000 | 4,626,000 |
| Risk-weighted assets | 32,347,000 | 34,157,000 | 33,850,000 | 36,149,000 |