Call reports 2003
NATIONAL BANK OF THE REDWOODS — 2003
What NATIONAL BANK OF THE REDWOODS 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 | 539,814,000 | 524,808,000 | 513,839,000 | 527,077,000 |
| Total loans | 397,836,000 | 415,716,000 | 412,380,000 | 414,713,000 |
| Allowance for loan losses | 7,355,000 | 7,492,000 | 7,545,000 | 7,162,000 |
| Securities available for sale | 74,287,000 | 54,504,000 | 46,447,000 | 55,544,000 |
| Securities held to maturity | 15,648,000 | 16,269,000 | 17,933,000 | 17,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,422,000 | 466,822,000 | 458,011,000 | 460,091,000 |
| Interest-bearing deposits | 442,554,000 | 426,065,000 | 419,274,000 | 418,064,000 |
| Noninterest-bearing deposits | 39,868,000 | 40,757,000 | 38,737,000 | 42,027,000 |
| Equity capital | 40,140,000 | 40,723,000 | 42,818,000 | 41,050,000 |
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 | 7,542,000 | 15,150,000 | 22,688,000 | 30,134,000 |
| Interest expense | 1,766,000 | 3,428,000 | 4,806,000 | 6,064,000 |
| Net interest income | 5,776,000 | 11,722,000 | 17,882,000 | 24,070,000 |
| Noninterest income | 1,629,000 | 3,192,000 | 4,858,000 | 6,747,000 |
| Noninterest expense | 3,977,000 | 7,761,000 | 11,775,000 | 15,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,428,000 | 7,239,000 | 11,051,000 | 14,957,000 |
| Income tax | 1,184,000 | 2,568,000 | 3,979,000 | 6,270,000 |
| Net income | 2,244,000 | 4,671,000 | 7,072,000 | 8,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,147,000 | 38,876,000 | 41,285,000 | 39,501,000 |
| Total capital | 43,335,000 | 44,080,000 | 46,459,000 | 44,780,000 |
| Risk-weighted assets | 412,790,000 | 414,097,000 | 411,513,000 | 420,450,000 |