Call reports 2003
FALLS CITY NATIONAL BANK, THE — 2003
What FALLS CITY NATIONAL BANK, 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 | 97,241,000 | 97,599,000 | 99,992,000 | 102,338,000 |
| Total loans | 40,964,000 | 41,456,000 | 42,646,000 | 42,479,000 |
| Allowance for loan losses | 106,000 | 106,000 | 103,000 | 123,000 |
| Securities available for sale | 12,431,000 | 9,620,000 | 9,943,000 | 8,366,000 |
| Securities held to maturity | 22,628,000 | 21,482,000 | 24,734,000 | 28,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,705,000 | 86,911,000 | 89,395,000 | 91,673,000 |
| Interest-bearing deposits | 73,520,000 | 74,221,000 | 75,433,000 | 76,631,000 |
| Noninterest-bearing deposits | 13,185,000 | 12,691,000 | 13,962,000 | 15,043,000 |
| Equity capital | 10,138,000 | 10,361,000 | 10,333,000 | 10,399,000 |
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 | 1,147,000 | 2,274,000 | 3,377,000 | 4,595,000 |
| Interest expense | 433,000 | 851,000 | 1,244,000 | 1,597,000 |
| Net interest income | 714,000 | 1,423,000 | 2,133,000 | 2,998,000 |
| Noninterest income | 160,000 | 331,000 | 470,000 | 560,000 |
| Noninterest expense | 560,000 | 1,147,000 | 1,859,000 | 2,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 320,000 | 614,000 | 750,000 | 1,037,000 |
| Income tax | 68,000 | 128,000 | 137,000 | 188,000 |
| Net income | 252,000 | 486,000 | 613,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,012,000 | 10,246,000 | 10,273,000 | 10,358,000 |
| Total capital | 10,118,000 | 10,352,000 | 10,376,000 | 10,481,000 |
| Risk-weighted assets | 46,261,000 | 47,104,000 | 48,910,000 | 48,743,000 |