Call reports 2003
FIRST STATE BANK OF NEWCASTLE — 2003
What FIRST STATE BANK OF NEWCASTLE 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 | 94,394,000 | 96,700,000 | 96,185,000 | 99,531,000 |
| Total loans | 34,322,000 | 36,648,000 | 36,535,000 | 34,247,000 |
| Allowance for loan losses | 387,000 | 381,000 | 379,000 | 345,000 |
| Securities available for sale | 46,766,000 | 45,841,000 | 48,540,000 | 54,632,000 |
| Securities held to maturity | 9,924,000 | 8,820,000 | 7,605,000 | 7,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,875,000 | 74,151,000 | 77,017,000 | 79,622,000 |
| Interest-bearing deposits | 64,855,000 | 62,853,000 | 64,506,000 | 66,481,000 |
| Noninterest-bearing deposits | 11,020,000 | 11,298,000 | 12,512,000 | 13,141,000 |
| Equity capital | 17,904,000 | 18,632,000 | 18,549,000 | 18,067,000 |
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 | 1,326,000 | 2,655,000 | 3,859,000 | 5,133,000 |
| Interest expense | 374,000 | 737,000 | 1,075,000 | 1,395,000 |
| Net interest income | 952,000 | 1,918,000 | 2,784,000 | 3,738,000 |
| Noninterest income | 77,000 | 160,000 | 243,000 | 322,000 |
| Noninterest expense | 429,000 | 859,000 | 1,292,000 | 1,960,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 730,000 | 1,399,000 | 1,941,000 | 2,306,000 |
| Income tax | 125,000 | 240,000 | 365,000 | 495,000 |
| Net income | 605,000 | 1,159,000 | 1,576,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,446,000 | 18,000,000 | 18,417,000 | 17,948,000 |
| Total capital | 17,833,000 | 18,381,000 | 18,796,000 | 18,293,000 |
| Risk-weighted assets | 45,380,000 | 47,260,000 | 47,795,000 | 47,003,000 |