Call reports 2003
FIRST NATIONAL BANK OF MANCHESTER — 2003
What FIRST NATIONAL BANK OF MANCHESTER 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 | 142,872,000 | 143,681,000 | 143,145,000 | 147,176,000 |
| Total loans | 86,126,000 | 88,460,000 | 92,421,000 | 92,058,000 |
| Allowance for loan losses | 989,000 | 1,002,000 | 1,021,000 | 1,027,000 |
| Securities available for sale | 31,433,000 | 31,524,000 | 32,194,000 | 32,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,424,000 | 126,634,000 | 125,397,000 | 129,612,000 |
| Interest-bearing deposits | 107,265,000 | 105,926,000 | 104,414,000 | 107,682,000 |
| Noninterest-bearing deposits | 19,159,000 | 20,708,000 | 20,983,000 | 21,930,000 |
| Equity capital | 15,048,000 | 15,554,000 | 15,662,000 | 15,931,000 |
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 | 1,823,000 | 3,727,000 | 5,630,000 | 7,541,000 |
| Interest expense | 563,000 | 1,105,000 | 1,602,000 | 2,052,000 |
| Net interest income | 1,260,000 | 2,622,000 | 4,028,000 | 5,489,000 |
| Noninterest income | 170,000 | 422,000 | 637,000 | 879,000 |
| Noninterest expense | 786,000 | 1,612,000 | 2,435,000 | 3,300,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 606,000 | 1,369,000 | 2,129,000 | 2,929,000 |
| Income tax | 215,000 | 478,000 | 743,000 | 984,000 |
| Net income | 390,000 | 891,000 | 1,386,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,814,000 | 15,130,000 | 15,472,000 | 15,707,000 |
| Total capital | 15,803,000 | 16,132,000 | 16,493,000 | 16,366,000 |
| Risk-weighted assets | 90,203,000 | 91,346,000 | 96,032,000 | 96,539,000 |
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