Call reports 2003
FIRST NATIONAL BANK OF BLANCHESTER, THE — 2003
What FIRST NATIONAL BANK OF BLANCHESTER, 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 | 47,883,000 | 48,295,000 | 48,192,000 | 48,743,000 |
| Total loans | 23,959,000 | 22,075,000 | 22,108,000 | 21,993,000 |
| Allowance for loan losses | 152,000 | 152,000 | 152,000 | 152,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,096,000 | 18,578,000 | 19,019,000 | 20,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,146,000 | 42,645,000 | 42,440,000 | 42,417,000 |
| Interest-bearing deposits | 37,529,000 | 37,377,000 | 37,567,000 | 37,585,000 |
| Noninterest-bearing deposits | 4,617,000 | 5,268,000 | 4,873,000 | 4,832,000 |
| Equity capital | 5,386,000 | 5,336,000 | 5,462,000 | 5,399,000 |
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 | 664,000 | 1,301,000 | 1,900,000 | 2,494,000 |
| Interest expense | 152,000 | 270,000 | 370,000 | 465,000 |
| Net interest income | 512,000 | 1,031,000 | 1,530,000 | 2,029,000 |
| Noninterest income | 103,000 | 213,000 | 317,000 | 426,000 |
| Noninterest expense | 405,000 | 784,000 | 1,181,000 | 1,563,000 |
| Provision for loan losses | 28,000 | 33,000 | 48,000 | 51,000 |
| Pretax income | 182,000 | 427,000 | 618,000 | 841,000 |
| Income tax | 56,000 | 136,000 | 201,000 | 272,000 |
| Net income | 126,000 | 291,000 | 417,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,939,000 | 3,915,000 | 4,068,000 | 4,032,000 |
| Total capital | 4,091,000 | 4,067,000 | 4,220,000 | 4,184,000 |
| Risk-weighted assets | 25,848,000 | 25,272,000 | 25,286,000 | 25,716,000 |