Call reports 2003
NORCROWN BANK — 2003
What NORCROWN 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 | 568,948,000 | 598,438,000 | 617,227,000 | 611,968,000 |
| Total loans | 461,105,000 | 496,066,000 | 495,982,000 | 507,342,000 |
| Allowance for loan losses | 4,796,000 | 5,259,000 | 5,562,000 | 5,762,000 |
| Securities available for sale | 27,967,000 | 28,239,000 | 22,491,000 | 34,438,000 |
| Securities held to maturity | 7,036,000 | 5,848,000 | 3,150,000 | 3,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,339,000 | 527,243,000 | 541,478,000 | 545,054,000 |
| Interest-bearing deposits | 402,427,000 | 428,091,000 | 436,353,000 | 439,302,000 |
| Noninterest-bearing deposits | 85,912,000 | 99,152,000 | 105,125,000 | 105,752,000 |
| Equity capital | 38,446,000 | 39,396,000 | 40,659,000 | 42,088,000 |
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 | 8,639,000 | 17,073,000 | 26,104,000 | 35,292,000 |
| Interest expense | 2,733,000 | 5,418,000 | 7,993,000 | 10,412,000 |
| Net interest income | 5,906,000 | 11,655,000 | 18,111,000 | 24,880,000 |
| Noninterest income | 253,000 | 485,000 | 740,000 | 990,000 |
| Noninterest expense | 3,541,000 | 7,400,000 | 11,408,000 | 15,470,000 |
| Provision for loan losses | 250,000 | 725,000 | 1,000,000 | 1,625,000 |
| Pretax income | 2,368,000 | 4,015,000 | 6,443,000 | 8,775,000 |
| Income tax | 890,000 | 1,539,000 | 2,501,000 | 3,413,000 |
| Net income | 1,478,000 | 2,476,000 | 3,942,000 | 5,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,388,000 | 38,376,000 | 39,806,000 | 41,214,000 |
| Total capital | 42,197,000 | 43,608,000 | 45,115,000 | 46,548,000 |
| Risk-weighted assets | 393,961,000 | 418,568,000 | 424,498,000 | 426,324,000 |