Call reports 2003
NATIONAL BANK OF SALLISAW — 2003
What NATIONAL BANK OF SALLISAW 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 | 75,231,000 | 73,775,000 | 76,612,000 | 81,829,000 |
| Total loans | 48,509,000 | 46,824,000 | 46,627,000 | 47,045,000 |
| Allowance for loan losses | 208,000 | 233,000 | 264,000 | 291,000 |
| Securities available for sale | 3,645,000 | 4,942,000 | 7,180,000 | 9,380,000 |
| Securities held to maturity | 16,329,000 | 15,193,000 | 15,286,000 | 15,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,766,000 | 62,320,000 | 64,955,000 | 69,905,000 |
| Interest-bearing deposits | 52,441,000 | 51,426,000 | 53,752,000 | 59,767,000 |
| Noninterest-bearing deposits | 11,325,000 | 10,894,000 | 11,203,000 | 10,138,000 |
| Equity capital | 11,192,000 | 11,218,000 | 11,401,000 | 11,645,000 |
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 | 827,000 | 1,657,000 | 2,416,000 | 3,216,000 |
| Interest expense | 208,000 | 393,000 | 555,000 | 715,000 |
| Net interest income | 619,000 | 1,264,000 | 1,861,000 | 2,501,000 |
| Noninterest income | 286,000 | 542,000 | 810,000 | 1,125,000 |
| Noninterest expense | 556,000 | 1,095,000 | 1,664,000 | 2,248,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 319,000 | 651,000 | 917,000 | 1,268,000 |
| Income tax | 100,000 | 207,000 | 289,000 | 407,000 |
| Net income | 219,000 | 444,000 | 628,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,192,000 | 11,218,000 | 11,401,000 | 11,634,000 |
| Total capital | 11,400,000 | 11,451,000 | 11,665,000 | 11,925,000 |
| Risk-weighted assets | 57,615,000 | 56,966,000 | 59,352,000 | 55,742,000 |