Call reports 2003
COUNTY NATIONAL BANK — 2003
What COUNTY NATIONAL 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 | 249,598,000 | 254,397,000 | 255,737,000 | 253,055,000 |
| Total loans | 154,717,000 | 153,712,000 | 156,491,000 | 163,747,000 |
| Allowance for loan losses | 1,975,000 | 1,989,000 | 1,969,000 | 2,018,000 |
| Securities available for sale | 34,996,000 | 34,815,000 | 38,698,000 | 40,500,000 |
| Securities held to maturity | 24,626,000 | 21,597,000 | 23,002,000 | 19,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,133,000 | 224,819,000 | 225,672,000 | 222,972,000 |
| Interest-bearing deposits | 184,601,000 | 186,016,000 | 191,156,000 | 188,264,000 |
| Noninterest-bearing deposits | 35,532,000 | 38,803,000 | 34,516,000 | 34,708,000 |
| Equity capital | 28,331,000 | 28,672,000 | 29,101,000 | 29,358,000 |
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 | 3,399,000 | 6,783,000 | 9,950,000 | 12,946,000 |
| Interest expense | 725,000 | 1,439,000 | 2,092,000 | 2,644,000 |
| Net interest income | 2,674,000 | 5,344,000 | 7,858,000 | 10,302,000 |
| Noninterest income | 856,000 | 1,751,000 | 2,673,000 | 3,321,000 |
| Noninterest expense | 2,320,000 | 4,794,000 | 7,243,000 | 9,545,000 |
| Provision for loan losses | 95,000 | 175,000 | 235,000 | 276,000 |
| Pretax income | 1,114,000 | 2,125,000 | 3,051,000 | 3,795,000 |
| Income tax | 310,000 | 600,000 | 820,000 | 975,000 |
| Net income | 804,000 | 1,525,000 | 2,231,000 | 2,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,391,000 | 24,530,000 | 25,453,000 | 25,824,000 |
| Total capital | 26,366,000 | 26,519,000 | 27,422,000 | 27,842,000 |
| Risk-weighted assets | 167,008,000 | 167,385,000 | 168,344,000 | 170,362,000 |