Call reports 2003
NATIONAL BANK OF WALTON COUNTY, THE — 2003
What NATIONAL BANK OF WALTON COUNTY, 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 | 225,335,000 | 235,139,000 | 229,340,000 | 229,614,000 |
| Total loans | 160,281,000 | 160,266,000 | 163,393,000 | 168,447,000 |
| Allowance for loan losses | 2,222,000 | 2,246,000 | 2,238,000 | 2,238,000 |
| Securities available for sale | 44,821,000 | 48,818,000 | 53,350,000 | 52,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,480,000 | 207,038,000 | 198,513,000 | 193,174,000 |
| Interest-bearing deposits | 168,539,000 | 176,413,000 | 166,508,000 | 161,840,000 |
| Noninterest-bearing deposits | 30,941,000 | 30,625,000 | 32,005,000 | 31,334,000 |
| Equity capital | 16,181,000 | 16,871,000 | 16,609,000 | 16,584,000 |
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 | 3,289,000 | 6,624,000 | 9,971,000 | 13,282,000 |
| Interest expense | 850,000 | 1,665,000 | 2,394,000 | 3,065,000 |
| Net interest income | 2,439,000 | 4,959,000 | 7,577,000 | 10,217,000 |
| Noninterest income | 526,000 | 1,014,000 | 1,528,000 | 2,159,000 |
| Noninterest expense | 1,445,000 | 2,863,000 | 4,288,000 | 5,816,000 |
| Provision for loan losses | 28,000 | 48,000 | 85,000 | 155,000 |
| Pretax income | 1,492,000 | 3,062,000 | 4,792,000 | 6,500,000 |
| Income tax | 529,000 | 1,090,000 | 1,716,000 | 2,317,000 |
| Net income | 963,000 | 1,972,000 | 3,076,000 | 4,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,453,000 | 16,001,000 | 16,038,000 | 16,105,000 |
| Total capital | 17,522,000 | 18,117,000 | 18,159,000 | 18,283,000 |
| Risk-weighted assets | 165,340,000 | 169,145,000 | 169,601,000 | 174,192,000 |
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