Call reports 2003
FIRST NATIONAL BANK OF DEER RIVER, THE — 2003
What FIRST NATIONAL BANK OF DEER RIVER, 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 | 16,347,000 | 16,555,000 | 16,544,000 | 15,661,000 |
| Total loans | 6,547,000 | 6,717,000 | 7,090,000 | 6,896,000 |
| Allowance for loan losses | 276,000 | 276,000 | 261,000 | 262,000 |
| Securities available for sale | 4,090,000 | 3,749,000 | 3,364,000 | 2,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,935,000 | 14,149,000 | 14,184,000 | 13,327,000 |
| Interest-bearing deposits | 10,453,000 | 10,458,000 | 9,946,000 | 9,596,000 |
| Noninterest-bearing deposits | 3,482,000 | 3,691,000 | 4,238,000 | 3,731,000 |
| Equity capital | 2,297,000 | 2,292,000 | 2,274,000 | 2,264,000 |
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 | 220,000 | 433,000 | 642,000 | 846,000 |
| Interest expense | 50,000 | 97,000 | 138,000 | 174,000 |
| Net interest income | 170,000 | 336,000 | 504,000 | 672,000 |
| Noninterest income | 30,000 | 61,000 | 92,000 | 133,000 |
| Noninterest expense | 204,000 | 410,000 | 610,000 | 824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -4,000 | -13,000 | -14,000 | -19,000 |
| Income tax | 14,000 | 4,000 | 4,000 | -3,000 |
| Net income | -18,000 | -17,000 | -18,000 | -16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,237,000 | 2,238,000 | 2,237,000 | 2,239,000 |
| Total capital | 2,346,000 | 2,346,000 | 2,347,000 | 2,339,000 |
| Risk-weighted assets | 8,533,000 | 8,502,000 | 8,628,000 | 7,873,000 |
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