Call reports 2003
FNB COWETA — 2003
What FNB COWETA 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 | 51,258,000 | 55,465,000 | 55,088,000 | 54,819,000 |
| Total loans | 24,616,000 | 24,979,000 | 25,505,000 | 25,695,000 |
| Allowance for loan losses | 222,000 | 263,000 | 181,000 | 223,000 |
| Securities available for sale | 8,968,000 | 9,711,000 | 9,296,000 | 8,709,000 |
| Securities held to maturity | 9,682,000 | 9,856,000 | 11,836,000 | 10,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,156,000 | 51,237,000 | 50,964,000 | 50,823,000 |
| Interest-bearing deposits | 39,574,000 | 41,852,000 | 42,931,000 | 42,417,000 |
| Noninterest-bearing deposits | 7,582,000 | 9,385,000 | 8,033,000 | 8,406,000 |
| Equity capital | 3,939,000 | 3,981,000 | 3,839,000 | 3,931,000 |
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 | 781,000 | 1,559,000 | 2,318,000 | 3,052,000 |
| Interest expense | 238,000 | 471,000 | 683,000 | 887,000 |
| Net interest income | 543,000 | 1,088,000 | 1,635,000 | 2,165,000 |
| Noninterest income | 154,000 | 315,000 | 480,000 | 644,000 |
| Noninterest expense | 577,000 | 1,134,000 | 1,718,000 | 2,298,000 |
| Provision for loan losses | 16,000 | 63,000 | 109,000 | 120,000 |
| Pretax income | 104,000 | 206,000 | 288,000 | 391,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 206,000 | 288,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,621,000 | 3,670,000 | 3,689,000 | 3,767,000 |
| Total capital | 3,843,000 | 3,933,000 | 3,870,000 | 3,990,000 |
| Risk-weighted assets | 28,373,000 | 29,556,000 | 30,080,000 | 29,643,000 |