Call reports 2003
FIRST NATIONAL BANK OF DIGHTON, THE — 2003
What FIRST NATIONAL BANK OF DIGHTON, 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 | 47,979,000 | 48,892,000 | 48,082,000 | 48,983,000 |
| Total loans | 22,622,000 | 22,712,000 | 17,113,000 | 20,317,000 |
| Allowance for loan losses | 638,000 | 737,000 | 742,000 | 772,000 |
| Securities available for sale | 11,879,000 | 11,342,000 | 14,883,000 | 16,968,000 |
| Securities held to maturity | 7,195,000 | 7,199,000 | 6,621,000 | 7,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,240,000 | 39,025,000 | 38,252,000 | 39,295,000 |
| Interest-bearing deposits | 32,453,000 | 33,344,000 | 32,395,000 | 32,684,000 |
| Noninterest-bearing deposits | 5,787,000 | 5,681,000 | 5,857,000 | 6,610,000 |
| Equity capital | 9,363,000 | 9,448,000 | 9,445,000 | 9,434,000 |
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 | 613,000 | 1,190,000 | 1,740,000 | 2,271,000 |
| Interest expense | 176,000 | 335,000 | 472,000 | 590,000 |
| Net interest income | 437,000 | 855,000 | 1,268,000 | 1,681,000 |
| Noninterest income | 35,000 | 63,000 | 91,000 | 116,000 |
| Noninterest expense | 325,000 | 598,000 | 914,000 | 1,236,000 |
| Provision for loan losses | 25,000 | 125,000 | 125,000 | 155,000 |
| Pretax income | 122,000 | 201,000 | 326,000 | 412,000 |
| Income tax | 24,000 | 33,000 | 62,000 | 82,000 |
| Net income | 98,000 | 168,000 | 264,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,152,000 | 9,222,000 | 9,319,000 | 9,309,000 |
| Total capital | 9,502,000 | 9,575,000 | 9,612,000 | 9,637,000 |
| Risk-weighted assets | 27,739,000 | 27,870,000 | 23,030,000 | 25,780,000 |