Call reports 2003
FIRST NATIONAL BANK OF MCHENRY, THE — 2003
What FIRST NATIONAL BANK OF MCHENRY, 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 | 136,854,000 | 134,304,000 | 133,294,000 | 135,543,000 |
| Total loans | 57,883,000 | 55,811,000 | 55,769,000 | 55,416,000 |
| Allowance for loan losses | 607,000 | 619,000 | 632,000 | 644,000 |
| Securities available for sale | 60,931,000 | 64,695,000 | 59,999,000 | 66,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,999,000 | 110,932,000 | 111,617,000 | 113,572,000 |
| Interest-bearing deposits | 99,056,000 | 96,707,000 | 96,535,000 | 98,787,000 |
| Noninterest-bearing deposits | 14,943,000 | 14,225,000 | 15,082,000 | 14,785,000 |
| Equity capital | 14,682,000 | 15,130,000 | 14,753,000 | 14,927,000 |
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 | 1,552,000 | 3,047,000 | 4,472,000 | 5,953,000 |
| Interest expense | 575,000 | 1,100,000 | 1,577,000 | 2,021,000 |
| Net interest income | 977,000 | 1,947,000 | 2,895,000 | 3,932,000 |
| Noninterest income | 177,000 | 361,000 | 547,000 | 724,000 |
| Noninterest expense | 834,000 | 1,679,000 | 2,536,000 | 3,416,000 |
| Provision for loan losses | 11,000 | 22,000 | 34,000 | 45,000 |
| Pretax income | 355,000 | 627,000 | 1,110,000 | 1,441,000 |
| Income tax | 63,000 | 131,000 | 244,000 | 346,000 |
| Net income | 292,000 | 496,000 | 866,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,859,000 | 14,003,000 | 14,312,000 | 14,331,000 |
| Total capital | 14,466,000 | 14,622,000 | 14,944,000 | 14,975,000 |
| Risk-weighted assets | 62,884,000 | 62,383,000 | 64,221,000 | 64,809,000 |