Call reports 2003
CENTRAL NATIONAL BANK — 2003
What CENTRAL 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 | 565,200,000 | 593,413,000 | 579,973,000 | 602,249,000 |
| Total loans | 359,766,000 | 380,307,000 | 352,501,000 | 336,903,000 |
| Allowance for loan losses | 4,977,000 | 5,158,000 | 5,335,000 | 5,446,000 |
| Securities available for sale | 120,019,000 | 137,858,000 | 128,631,000 | 164,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,609,000 | 501,859,000 | 486,421,000 | 517,899,000 |
| Interest-bearing deposits | 401,768,000 | 424,095,000 | 415,476,000 | 442,783,000 |
| Noninterest-bearing deposits | 69,841,000 | 77,764,000 | 70,945,000 | 75,116,000 |
| Equity capital | 61,860,000 | 62,668,000 | 63,891,000 | 63,572,000 |
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 | 7,571,000 | 15,038,000 | 22,525,000 | 29,511,000 |
| Interest expense | 2,564,000 | 4,994,000 | 7,320,000 | 9,531,000 |
| Net interest income | 5,007,000 | 10,044,000 | 15,205,000 | 19,980,000 |
| Noninterest income | 3,439,000 | 5,771,000 | 10,385,000 | 12,334,000 |
| Noninterest expense | 4,817,000 | 9,895,000 | 15,086,000 | 20,454,000 |
| Provision for loan losses | 150,000 | 300,000 | 975,000 | 1,200,000 |
| Pretax income | 3,479,000 | 5,620,000 | 9,529,000 | 10,660,000 |
| Income tax | 1,205,000 | 1,946,000 | 3,318,000 | 3,504,000 |
| Net income | 2,274,000 | 3,674,000 | 6,211,000 | 7,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,439,000 | 57,095,000 | 58,658,000 | 59,395,000 |
| Total capital | 61,362,000 | 62,153,000 | 63,574,000 | 64,347,000 |
| Risk-weighted assets | 393,800,000 | 404,522,000 | 392,858,000 | 395,646,000 |