Call reports 2003
ELLENVILLE NATIONAL BANK — 2003
What ELLENVILLE NATIONAL BANK 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 | 324,558,000 | 341,675,000 | 357,233,000 | 361,791,000 |
| Total loans | 190,573,000 | 202,296,000 | 204,582,000 | 219,875,000 |
| Allowance for loan losses | 2,391,000 | 2,538,000 | 2,567,000 | 2,757,000 |
| Securities available for sale | 101,454,000 | 104,837,000 | 116,988,000 | 109,696,000 |
| Securities held to maturity | 5,542,000 | 4,646,000 | 5,683,000 | 5,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,242,000 | 307,785,000 | 324,315,000 | 326,406,000 |
| Interest-bearing deposits | 223,049,000 | 230,791,000 | 240,528,000 | 239,958,000 |
| Noninterest-bearing deposits | 69,193,000 | 76,994,000 | 83,787,000 | 86,448,000 |
| Equity capital | 28,646,000 | 29,966,000 | 29,240,000 | 27,754,000 |
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 | 4,798,000 | 9,817,000 | 14,949,000 | 20,021,000 |
| Interest expense | 951,000 | 1,933,000 | 2,918,000 | 3,889,000 |
| Net interest income | 3,847,000 | 7,884,000 | 12,031,000 | 16,132,000 |
| Noninterest income | 623,000 | 1,234,000 | 1,823,000 | 2,412,000 |
| Noninterest expense | 2,975,000 | 5,827,000 | 8,687,000 | 11,446,000 |
| Provision for loan losses | 116,000 | 268,000 | 347,000 | 620,000 |
| Pretax income | 1,379,000 | 3,045,000 | 4,842,000 | 6,500,000 |
| Income tax | 494,000 | 1,100,000 | 1,744,000 | 2,240,000 |
| Net income | 885,000 | 1,945,000 | 3,098,000 | 4,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,604,000 | 28,534,000 | 28,681,000 | 27,941,000 |
| Total capital | 29,995,000 | 31,072,000 | 31,248,000 | 30,698,000 |
| Risk-weighted assets | 216,269,000 | 232,339,000 | 240,077,000 | 246,594,000 |