Call reports 2003
NEWTON COUNTY BANK — 2003
What NEWTON COUNTY 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 | 142,028,000 | 140,722,000 | 139,955,000 | 139,020,000 |
| Total loans | 81,650,000 | 82,952,000 | 80,649,000 | 83,077,000 |
| Allowance for loan losses | 1,107,000 | 1,131,000 | 1,150,000 | 1,172,000 |
| Securities available for sale | 40,829,000 | 35,473,000 | 35,671,000 | 33,032,000 |
| Securities held to maturity | 11,122,000 | 9,602,000 | 9,962,000 | 9,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,753,000 | 121,853,000 | 121,222,000 | 119,893,000 |
| Interest-bearing deposits | 108,042,000 | 105,017,000 | 104,976,000 | 103,663,000 |
| Noninterest-bearing deposits | 15,711,000 | 16,836,000 | 16,246,000 | 16,230,000 |
| Equity capital | 16,400,000 | 16,824,000 | 16,954,000 | 17,122,000 |
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 | 1,907,000 | 3,833,000 | 5,703,000 | 7,584,000 |
| Interest expense | 549,000 | 1,043,000 | 1,491,000 | 1,918,000 |
| Net interest income | 1,358,000 | 2,790,000 | 4,212,000 | 5,666,000 |
| Noninterest income | 334,000 | 613,000 | 906,000 | 1,182,000 |
| Noninterest expense | 1,071,000 | 2,116,000 | 3,166,000 | 4,392,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 591,000 | 1,227,000 | 1,862,000 | 2,337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 591,000 | 1,227,000 | 1,862,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,922,000 | 15,158,000 | 15,443,000 | 15,618,000 |
| Total capital | 16,602,000 | 16,946,000 | 17,181,000 | 17,375,000 |
| Risk-weighted assets | 106,706,000 | 108,813,000 | 106,401,000 | 108,788,000 |