Call reports 2003
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2003
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 183,702,000 | 187,889,000 | 192,189,000 | 190,762,000 |
| Total loans | 74,548,000 | 75,294,000 | 77,129,000 | 80,239,000 |
| Allowance for loan losses | 1,076,000 | 1,090,000 | 1,101,000 | 1,106,000 |
| Securities available for sale | 100,513,000 | 101,707,000 | 103,747,000 | 102,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,167,000 | 153,869,000 | 161,968,000 | 158,177,000 |
| Interest-bearing deposits | 129,921,000 | 135,780,000 | 142,178,000 | 138,727,000 |
| Noninterest-bearing deposits | 16,246,000 | 18,089,000 | 19,790,000 | 19,450,000 |
| Equity capital | 17,204,000 | 17,264,000 | 16,876,000 | 16,724,000 |
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 | 2,214,000 | 4,375,000 | 6,354,000 | 8,709,000 |
| Interest expense | 984,000 | 1,964,000 | 2,933,000 | 3,893,000 |
| Net interest income | 1,230,000 | 2,411,000 | 3,421,000 | 4,816,000 |
| Noninterest income | 220,000 | 368,000 | 522,000 | 726,000 |
| Noninterest expense | 1,079,000 | 2,188,000 | 3,272,000 | 4,327,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 540,000 | 891,000 | 1,183,000 | 1,662,000 |
| Income tax | 137,000 | 235,000 | 325,000 | 379,000 |
| Net income | 403,000 | 656,000 | 858,000 | 1,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,976,000 | 15,991,000 | 16,193,000 | 16,035,000 |
| Total capital | 17,052,000 | 17,081,000 | 17,294,000 | 17,141,000 |
| Risk-weighted assets | 95,966,000 | 100,024,000 | 99,683,000 | 105,080,000 |