Call reports 2003
FIRST NATIONAL BANK OF EMORY, THE — 2003
What FIRST NATIONAL BANK OF EMORY, 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 | 69,726,000 | 69,311,000 | 70,433,000 | 73,470,000 |
| Total loans | 41,816,000 | 40,394,000 | 39,230,000 | 39,182,000 |
| Allowance for loan losses | 667,000 | 723,000 | 678,000 | 580,000 |
| Securities available for sale | 16,080,000 | 14,827,000 | 12,847,000 | 19,208,000 |
| Securities held to maturity | 2,683,000 | 2,642,000 | 2,816,000 | 2,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,488,000 | 61,439,000 | 61,984,000 | 65,449,000 |
| Interest-bearing deposits | 49,571,000 | 49,505,000 | 49,175,000 | 52,631,000 |
| Noninterest-bearing deposits | 10,917,000 | 11,934,000 | 12,809,000 | 12,818,000 |
| Equity capital | 7,223,000 | 7,297,000 | 7,477,000 | 7,186,000 |
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 | 1,026,000 | 1,978,000 | 2,861,000 | 3,798,000 |
| Interest expense | 265,000 | 492,000 | 705,000 | 913,000 |
| Net interest income | 761,000 | 1,486,000 | 2,156,000 | 2,885,000 |
| Noninterest income | 123,000 | 253,000 | 390,000 | 561,000 |
| Noninterest expense | 531,000 | 1,066,000 | 1,563,000 | 2,114,000 |
| Provision for loan losses | 125,000 | 200,000 | 275,000 | 480,000 |
| Pretax income | 379,000 | 624,000 | 859,000 | 1,003,000 |
| Income tax | 15,000 | 18,000 | 22,000 | 31,000 |
| Net income | 364,000 | 606,000 | 837,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,994,000 | 7,110,000 | 7,260,000 | 6,959,000 |
| Total capital | 7,520,000 | 7,621,000 | 7,766,000 | 7,469,000 |
| Risk-weighted assets | 41,962,000 | 40,642,000 | 40,303,000 | 40,719,000 |