Call reports 2003
NECEDAH BANK, THE — 2003
What NECEDAH 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 | 35,067,000 | 35,010,000 | 35,703,000 | 36,114,000 |
| Total loans | 16,608,000 | 16,871,000 | 17,854,000 | 18,387,000 |
| Allowance for loan losses | 175,000 | 180,000 | 195,000 | 198,000 |
| Securities available for sale | 13,115,000 | 13,471,000 | 11,353,000 | 11,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,186,000 | 27,971,000 | 28,781,000 | 28,991,000 |
| Interest-bearing deposits | 24,833,000 | 23,818,000 | 24,898,000 | 25,076,000 |
| Noninterest-bearing deposits | 3,353,000 | 4,153,000 | 3,883,000 | 3,915,000 |
| Equity capital | 6,315,000 | 6,342,000 | 6,365,000 | 6,280,000 |
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 | 488,000 | 874,000 | 1,301,000 | 1,617,000 |
| Interest expense | 176,000 | 313,000 | 454,000 | 585,000 |
| Net interest income | 312,000 | 561,000 | 847,000 | 1,032,000 |
| Noninterest income | 37,000 | 103,000 | 118,000 | 160,000 |
| Noninterest expense | 216,000 | 395,000 | 630,000 | 946,000 |
| Provision for loan losses | 7,000 | 13,000 | 64,000 | 65,000 |
| Pretax income | 126,000 | 256,000 | 271,000 | 119,000 |
| Income tax | 41,000 | 60,000 | 94,000 | 32,000 |
| Net income | 85,000 | 196,000 | 177,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,104,000 | 4,313,000 | 3,982,000 | 3,860,000 |
| Total capital | 4,279,000 | 4,493,000 | 4,177,000 | 4,058,000 |
| Risk-weighted assets | 20,115,000 | 23,114,000 | 23,776,000 | 24,382,000 |