Call reports 2003
FIRST NATIONAL BANK OF GROTON, THE — 2003
What FIRST NATIONAL BANK OF GROTON, 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 | 95,418,000 | 94,735,000 | 97,768,000 | 93,917,000 |
| Total loans | 52,068,000 | 51,840,000 | 51,897,000 | 51,661,000 |
| Allowance for loan losses | 517,000 | 458,000 | 495,000 | 518,000 |
| Securities available for sale | 19,679,000 | 21,325,000 | 21,278,000 | 22,169,000 |
| Securities held to maturity | 8,280,000 | 8,918,000 | 8,052,000 | 8,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,450,000 | 83,412,000 | 86,462,000 | 82,511,000 |
| Interest-bearing deposits | 72,123,000 | 70,558,000 | 73,630,000 | 69,531,000 |
| Noninterest-bearing deposits | 12,327,000 | 12,854,000 | 12,832,000 | 12,980,000 |
| Equity capital | 10,562,000 | 10,757,000 | 10,902,000 | 10,931,000 |
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 | 1,475,000 | 2,901,000 | 4,394,000 | 5,843,000 |
| Interest expense | 416,000 | 816,000 | 1,180,000 | 1,515,000 |
| Net interest income | 1,059,000 | 2,085,000 | 3,214,000 | 4,328,000 |
| Noninterest income | 154,000 | 301,000 | 537,000 | 696,000 |
| Noninterest expense | 720,000 | 1,457,000 | 2,202,000 | 2,921,000 |
| Provision for loan losses | 62,000 | 165,000 | 248,000 | 330,000 |
| Pretax income | 431,000 | 764,000 | 1,301,000 | 1,773,000 |
| Income tax | 131,000 | 217,000 | 388,000 | 533,000 |
| Net income | 300,000 | 547,000 | 913,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,238,000 | 10,300,000 | 10,665,000 | 10,705,000 |
| Total capital | 10,755,000 | 10,758,000 | 11,160,000 | 11,223,000 |
| Risk-weighted assets | 52,451,000 | 52,472,000 | 52,867,000 | 50,256,000 |