Call reports 2003
NBANC — 2003
What NBANC 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 | 123,099,000 | 129,617,000 | 131,649,000 | 148,660,000 |
| Total loans | 101,842,000 | 102,064,000 | 101,392,000 | 104,740,000 |
| Allowance for loan losses | 1,207,000 | 1,253,000 | 1,194,000 | 1,236,000 |
| Securities available for sale | 5,511,000 | 5,515,000 | 8,258,000 | 12,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,709,000 | 110,008,000 | 114,958,000 | 127,932,000 |
| Interest-bearing deposits | 77,380,000 | 78,280,000 | 81,877,000 | 83,663,000 |
| Noninterest-bearing deposits | 28,329,000 | 31,728,000 | 33,082,000 | 44,269,000 |
| Equity capital | 10,925,000 | 11,402,000 | 11,830,000 | 14,461,000 |
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 | 1,703,000 | 3,415,000 | 5,150,000 | 6,812,000 |
| Interest expense | 347,000 | 704,000 | 1,028,000 | 1,347,000 |
| Net interest income | 1,356,000 | 2,711,000 | 4,122,000 | 5,465,000 |
| Noninterest income | 200,000 | 390,000 | 579,000 | 785,000 |
| Noninterest expense | 959,000 | 1,981,000 | 3,071,000 | 4,427,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 552,000 | 1,030,000 | 1,495,000 | 1,643,000 |
| Income tax | 0 | 0 | 11,000 | 11,000 |
| Net income | 552,000 | 1,030,000 | 1,484,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,935,000 | 9,413,000 | 9,867,000 | 12,605,000 |
| Total capital | 10,142,000 | 10,666,000 | 11,061,000 | 13,841,000 |
| Risk-weighted assets | 100,985,000 | 103,624,000 | 103,736,000 | 111,060,000 |