Call reports 2003
FIRST NATIONAL BANK OF VOLGA, THE — 2003
What FIRST NATIONAL BANK OF VOLGA, 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 | 25,928,000 | 26,266,000 | 25,604,000 | 27,181,000 |
| Total loans | 18,026,000 | 17,461,000 | 17,628,000 | 17,374,000 |
| Allowance for loan losses | 345,000 | 342,000 | 341,000 | 341,000 |
| Securities available for sale | 4,996,000 | 5,393,000 | 5,640,000 | 6,669,000 |
| Securities held to maturity | 205,000 | 196,000 | 187,000 | 179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,282,000 | 23,714,000 | 23,058,000 | 24,644,000 |
| Interest-bearing deposits | 20,722,000 | 21,003,000 | 20,271,000 | 21,711,000 |
| Noninterest-bearing deposits | 2,560,000 | 2,711,000 | 2,787,000 | 2,933,000 |
| Equity capital | 2,447,000 | 2,413,000 | 2,442,000 | 2,408,000 |
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 | 425,000 | 811,000 | 1,188,000 | 1,656,000 |
| Interest expense | 119,000 | 230,000 | 336,000 | 437,000 |
| Net interest income | 306,000 | 581,000 | 852,000 | 1,219,000 |
| Noninterest income | 28,000 | 57,000 | 89,000 | 123,000 |
| Noninterest expense | 149,000 | 295,000 | 445,000 | 626,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 184,000 | 340,000 | 492,000 | 710,000 |
| Income tax | 63,000 | 114,000 | 163,000 | 240,000 |
| Net income | 121,000 | 226,000 | 329,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,376,000 | 2,338,000 | 2,440,000 | 2,386,000 |
| Total capital | 2,590,000 | 2,552,000 | 2,650,000 | 2,597,000 |
| Risk-weighted assets | 16,976,000 | 16,992,000 | 16,673,000 | 16,758,000 |
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