Call reports 2003
FIRST NATIONAL BANK OF PROCTOR, THE — 2003
What FIRST NATIONAL BANK OF PROCTOR, 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 | 19,654,000 | 19,417,000 | 19,999,000 | 20,454,000 |
| Total loans | 9,373,000 | 9,527,000 | 9,843,000 | 9,628,000 |
| Allowance for loan losses | 60,000 | 62,000 | 75,000 | 67,000 |
| Securities available for sale | 6,116,000 | 7,327,000 | 7,666,000 | 7,692,000 |
| Securities held to maturity | 186,000 | 186,000 | 176,000 | 176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,633,000 | 17,317,000 | 17,921,000 | 18,379,000 |
| Interest-bearing deposits | 14,857,000 | 14,420,000 | 14,906,000 | 15,443,000 |
| Noninterest-bearing deposits | 2,776,000 | 2,897,000 | 3,015,000 | 2,936,000 |
| Equity capital | 1,895,000 | 1,956,000 | 1,942,000 | 1,967,000 |
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 | 275,000 | 560,000 | 841,000 | 1,108,000 |
| Interest expense | 63,000 | 123,000 | 175,000 | 231,000 |
| Net interest income | 212,000 | 437,000 | 666,000 | 877,000 |
| Noninterest income | 18,000 | 40,000 | 61,000 | 77,000 |
| Noninterest expense | 183,000 | 364,000 | 562,000 | 791,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 48,000 | 122,000 | 159,000 | 157,000 |
| Income tax | 17,000 | 44,000 | 62,000 | 50,000 |
| Net income | 31,000 | 78,000 | 97,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,788,000 | 1,834,000 | 1,853,000 | 1,863,000 |
| Total capital | 1,848,000 | 1,896,000 | 1,928,000 | 1,930,000 |
| Risk-weighted assets | 9,856,000 | 9,826,000 | 10,186,000 | 10,125,000 |
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