Call reports 2003
FIRST NATIONAL BANK OF MERTZON, THE — 2003
What FIRST NATIONAL BANK OF MERTZON, 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 | 122,340,000 | 123,312,000 | 127,829,000 | 124,966,000 |
| Total loans | 29,965,000 | 31,960,000 | 31,515,000 | 32,431,000 |
| Allowance for loan losses | 639,000 | 635,000 | 631,000 | 624,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,012,000 | 54,704,000 | 61,741,000 | 70,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,966,000 | 107,676,000 | 111,851,000 | 109,692,000 |
| Interest-bearing deposits | 88,041,000 | 87,655,000 | 88,715,000 | 88,370,000 |
| Noninterest-bearing deposits | 18,925,000 | 20,021,000 | 23,136,000 | 21,322,000 |
| Equity capital | 15,036,000 | 15,378,000 | 15,729,000 | 15,051,000 |
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 | 1,195,000 | 2,397,000 | 3,586,000 | 4,746,000 |
| Interest expense | 273,000 | 500,000 | 691,000 | 872,000 |
| Net interest income | 922,000 | 1,897,000 | 2,895,000 | 3,874,000 |
| Noninterest income | 62,000 | 127,000 | 195,000 | 256,000 |
| Noninterest expense | 633,000 | 1,269,000 | 1,918,000 | 2,699,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 351,000 | 755,000 | 1,172,000 | 1,431,000 |
| Income tax | 57,000 | 119,000 | 185,000 | 190,000 |
| Net income | 294,000 | 636,000 | 987,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,036,000 | 15,378,000 | 15,729,000 | 15,051,000 |
| Total capital | 15,593,000 | 15,968,000 | 16,316,000 | 15,638,000 |
| Risk-weighted assets | 44,446,000 | 46,359,000 | 46,147,000 | 46,968,000 |
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