Call reports 2003
FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION — 2003
What FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION 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 | 185,948,000 | 187,566,000 | 188,779,000 | 192,354,000 |
| Total loans | 143,353,000 | 143,570,000 | 144,670,000 | 144,028,000 |
| Allowance for loan losses | 1,272,000 | 1,407,000 | 1,453,000 | 1,578,000 |
| Securities available for sale | 23,480,000 | 24,307,000 | 23,356,000 | 27,433,000 |
| Securities held to maturity | 1,106,000 | 1,067,000 | 1,051,000 | 784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,911,000 | 165,383,000 | 166,863,000 | 170,287,000 |
| Interest-bearing deposits | 146,499,000 | 148,168,000 | 151,625,000 | 153,787,000 |
| Noninterest-bearing deposits | 17,412,000 | 17,215,000 | 15,239,000 | 16,500,000 |
| Equity capital | 18,980,000 | 19,536,000 | 19,651,000 | 19,768,000 |
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 | 2,736,000 | 5,416,000 | 8,028,000 | 10,596,000 |
| Interest expense | 1,006,000 | 1,921,000 | 2,818,000 | 3,692,000 |
| Net interest income | 1,730,000 | 3,495,000 | 5,210,000 | 6,904,000 |
| Noninterest income | 361,000 | 704,000 | 1,048,000 | 1,381,000 |
| Noninterest expense | 1,232,000 | 2,515,000 | 3,781,000 | 5,090,000 |
| Provision for loan losses | 116,000 | 261,000 | 621,000 | 894,000 |
| Pretax income | 743,000 | 1,423,000 | 1,856,000 | 2,301,000 |
| Income tax | 277,000 | 543,000 | 768,000 | 879,000 |
| Net income | 466,000 | 880,000 | 1,088,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,417,000 | 17,910,000 | 18,187,000 | 18,388,000 |
| Total capital | 18,689,000 | 19,317,000 | 19,640,000 | 19,966,000 |
| Risk-weighted assets | 146,953,000 | 146,731,000 | 148,057,000 | 151,409,000 |