Call reports 2003
EVERGREEN NATIONAL BANK — 2003
What EVERGREEN NATIONAL 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 | 72,694,000 | 72,063,000 | 74,770,000 | 77,574,000 |
| Total loans | 34,827,000 | 34,327,000 | 30,083,000 | 30,426,000 |
| Allowance for loan losses | 494,000 | 500,000 | 492,000 | 476,000 |
| Securities available for sale | 2,301,000 | 2,314,000 | 2,321,000 | 2,265,000 |
| Securities held to maturity | 22,818,000 | 22,330,000 | 24,177,000 | 24,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,128,000 | 65,524,000 | 67,981,000 | 70,800,000 |
| Interest-bearing deposits | 42,383,000 | 40,063,000 | 43,293,000 | 42,307,000 |
| Noninterest-bearing deposits | 23,745,000 | 25,461,000 | 24,688,000 | 28,493,000 |
| Equity capital | 6,145,000 | 6,240,000 | 6,340,000 | 6,406,000 |
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 | 920,000 | 1,810,000 | 2,651,000 | 3,460,000 |
| Interest expense | 183,000 | 352,000 | 491,000 | 624,000 |
| Net interest income | 737,000 | 1,458,000 | 2,160,000 | 2,836,000 |
| Noninterest income | 202,000 | 423,000 | 675,000 | 922,000 |
| Noninterest expense | 658,000 | 1,356,000 | 2,032,000 | 2,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 281,000 | 525,000 | 803,000 | 997,000 |
| Income tax | 98,000 | 183,000 | 286,000 | 304,000 |
| Net income | 183,000 | 342,000 | 517,000 | 693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,144,000 | 6,226,000 | 6,326,000 | 6,392,000 |
| Total capital | 6,679,000 | 6,755,000 | 6,829,000 | 6,892,000 |
| Risk-weighted assets | 42,698,000 | 41,845,000 | 39,515,000 | 39,967,000 |