Call reports 2003
NCW COMMUNITY BANK — 2003
What NCW COMMUNITY BANK 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 | 39,998,000 | 43,369,000 | 47,349,000 | 51,924,000 |
| Total loans | 29,441,000 | 33,362,000 | 35,690,000 | 37,960,000 |
| Allowance for loan losses | 336,000 | 371,000 | 402,000 | 440,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,600,000 | 3,876,000 | 6,823,000 | 5,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,514,000 | 38,777,000 | 42,619,000 | 47,029,000 |
| Interest-bearing deposits | 32,043,000 | 35,184,000 | 37,054,000 | 41,673,000 |
| Noninterest-bearing deposits | 3,471,000 | 3,593,000 | 5,565,000 | 5,356,000 |
| Equity capital | 4,362,000 | 4,441,000 | 4,540,000 | 4,687,000 |
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 | 567,000 | 1,201,000 | 1,899,000 | 2,629,000 |
| Interest expense | 188,000 | 380,000 | 598,000 | 819,000 |
| Net interest income | 379,000 | 821,000 | 1,301,000 | 1,810,000 |
| Noninterest income | 27,000 | 77,000 | 114,000 | 135,000 |
| Noninterest expense | 356,000 | 733,000 | 1,120,000 | 1,510,000 |
| Provision for loan losses | 31,000 | 66,000 | 97,000 | 135,000 |
| Pretax income | 19,000 | 99,000 | 198,000 | 305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | 99,000 | 198,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,362,000 | 4,441,000 | 4,540,000 | 4,687,000 |
| Total capital | 4,698,000 | 4,812,000 | 4,942,000 | 5,127,000 |
| Risk-weighted assets | 31,802,000 | 35,868,000 | 38,305,000 | 40,545,000 |