Call reports 2003
FIRST NATIONAL BANK OF HEBBRONVILLE, THE — 2003
What FIRST NATIONAL BANK OF HEBBRONVILLE, 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 | 86,223,000 | 81,685,000 | 81,273,000 | 87,805,000 |
| Total loans | 15,299,000 | 14,438,000 | 15,551,000 | 16,202,000 |
| Allowance for loan losses | 244,000 | 287,000 | 205,000 | 166,000 |
| Securities available for sale | 60,732,000 | 56,008,000 | 51,106,000 | 53,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,839,000 | 63,742,000 | 64,031,000 | 71,062,000 |
| Interest-bearing deposits | 60,660,000 | 55,420,000 | 52,627,000 | 59,842,000 |
| Noninterest-bearing deposits | 8,179,000 | 8,322,000 | 11,404,000 | 11,220,000 |
| Equity capital | 13,571,000 | 13,983,000 | 13,694,000 | 13,389,000 |
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 | 1,013,000 | 1,954,000 | 2,834,000 | 3,755,000 |
| Interest expense | 291,000 | 544,000 | 747,000 | 932,000 |
| Net interest income | 722,000 | 1,410,000 | 2,087,000 | 2,823,000 |
| Noninterest income | 103,000 | 230,000 | 368,000 | 502,000 |
| Noninterest expense | 392,000 | 746,000 | 1,141,000 | 1,543,000 |
| Provision for loan losses | 21,000 | 66,000 | 0 | 0 |
| Pretax income | 412,000 | 828,000 | 1,314,000 | 1,782,000 |
| Income tax | 64,000 | 111,000 | 207,000 | 217,000 |
| Net income | 348,000 | 717,000 | 1,107,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,169,000 | 12,262,000 | 12,652,000 | 12,283,000 |
| Total capital | 12,413,000 | 12,549,000 | 12,857,000 | 12,451,000 |
| Risk-weighted assets | 55,499,000 | 33,055,000 | 33,297,000 | 35,310,000 |