Call reports 2003
FIRST NATIONAL BANK OF AVA, THE — 2003
What FIRST NATIONAL BANK OF AVA, 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 | 41,108,000 | 40,674,000 | 41,434,000 | 41,905,000 |
| Total loans | 26,724,000 | 27,147,000 | 28,211,000 | 28,865,000 |
| Allowance for loan losses | 605,000 | 599,000 | 567,000 | 563,000 |
| Securities available for sale | 8,498,000 | 6,689,000 | 6,269,000 | 6,974,000 |
| Securities held to maturity | 3,239,000 | 3,160,000 | 3,160,000 | 2,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,608,000 | 35,631,000 | 36,364,000 | 36,727,000 |
| Interest-bearing deposits | 31,968,000 | 31,936,000 | 32,402,000 | 32,879,000 |
| Noninterest-bearing deposits | 3,640,000 | 3,695,000 | 3,962,000 | 3,848,000 |
| Equity capital | 4,724,000 | 4,813,000 | 4,853,000 | 4,787,000 |
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 | 687,000 | 1,342,000 | 2,010,000 | 2,693,000 |
| Interest expense | 245,000 | 474,000 | 696,000 | 914,000 |
| Net interest income | 442,000 | 868,000 | 1,314,000 | 1,779,000 |
| Noninterest income | 38,000 | 87,000 | 116,000 | 147,000 |
| Noninterest expense | 278,000 | 574,000 | 850,000 | 1,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 381,000 | 580,000 | 748,000 |
| Income tax | 64,000 | 119,000 | 183,000 | 222,000 |
| Net income | 138,000 | 262,000 | 397,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,642,000 | 4,737,000 | 4,820,000 | 4,759,000 |
| Total capital | 4,979,000 | 5,089,000 | 5,184,000 | 5,124,000 |
| Risk-weighted assets | 25,933,000 | 27,565,000 | 28,241,000 | 28,543,000 |