Call reports 2003
JOHN WARNER BANK, THE — 2003
What JOHN WARNER BANK, 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 | 93,727,000 | 91,012,000 | 95,932,000 | 90,293,000 |
| Total loans | 41,204,000 | 40,715,000 | 44,574,000 | 41,076,000 |
| Allowance for loan losses | 667,000 | 627,000 | 627,000 | 633,000 |
| Securities available for sale | 31,481,000 | 29,739,000 | 40,891,000 | 36,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,549,000 | 78,399,000 | 75,354,000 | 73,452,000 |
| Interest-bearing deposits | 67,825,000 | 66,363,000 | 63,150,000 | 59,566,000 |
| Noninterest-bearing deposits | 11,724,000 | 12,036,000 | 12,204,000 | 13,886,000 |
| Equity capital | 11,992,000 | 9,922,000 | 9,872,000 | 9,903,000 |
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 | 1,060,000 | 65,000 | 998,000 | 2,054,000 |
| Interest expense | 377,000 | 41,000 | 329,000 | 593,000 |
| Net interest income | 683,000 | 24,000 | 669,000 | 1,461,000 |
| Noninterest income | 166,000 | 23,000 | 177,000 | 327,000 |
| Noninterest expense | 745,000 | 62,000 | 656,000 | 1,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 104,000 | -15,000 | 111,000 | 288,000 |
| Income tax | 0 | 0 | 31,000 | 90,000 |
| Net income | 104,000 | -15,000 | 80,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,035,000 | 5,378,000 | 5,206,000 | 5,206,000 |
| Total capital | 11,692,000 | 6,005,000 | 5,817,000 | 5,746,000 |
| Risk-weighted assets | 52,584,000 | 50,562,000 | 48,873,000 | 43,068,000 |