Call reports 2003
FIRST NATIONAL EXCHANGE BANK — 2003
What FIRST NATIONAL EXCHANGE 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 | 273,714,000 | 278,651,000 | 267,929,000 | 252,088,000 |
| Total loans | 148,125,000 | 154,757,000 | 161,792,000 | 155,592,000 |
| Allowance for loan losses | 1,015,000 | 1,745,000 | 1,775,000 | 1,804,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 56,379,000 | 47,538,000 | 51,580,000 | 65,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,097,000 | 260,738,000 | 249,770,000 | 234,126,000 |
| Interest-bearing deposits | 233,587,000 | 238,169,000 | 227,211,000 | 211,538,000 |
| Noninterest-bearing deposits | 22,510,000 | 22,569,000 | 22,559,000 | 22,588,000 |
| Equity capital | 15,590,000 | 15,558,000 | 16,333,000 | 16,925,000 |
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 | 3,572,000 | 7,361,000 | 10,801,000 | 14,222,000 |
| Interest expense | 1,779,000 | 3,477,000 | 5,078,000 | 6,510,000 |
| Net interest income | 1,793,000 | 3,884,000 | 5,723,000 | 7,712,000 |
| Noninterest income | 202,000 | 414,000 | 611,000 | 819,000 |
| Noninterest expense | 1,244,000 | 2,467,000 | 3,712,000 | 5,021,000 |
| Provision for loan losses | 30,000 | 812,000 | 868,000 | 898,000 |
| Pretax income | 721,000 | 1,019,000 | 1,754,000 | 2,612,000 |
| Income tax | 210,000 | 540,000 | 500,000 | 750,000 |
| Net income | 511,000 | 479,000 | 1,254,000 | 1,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,590,000 | 15,558,000 | 16,333,000 | 16,925,000 |
| Total capital | 16,605,000 | 17,303,000 | 18,108,000 | 18,729,000 |
| Risk-weighted assets | 165,182,000 | 169,681,000 | 170,249,000 | 161,895,000 |