Call reports 2003
FIRST NATIONAL BANK OF CHILLICOTHE — 2003
What FIRST NATIONAL BANK OF CHILLICOTHE 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 | 89,140,000 | 91,146,000 | 88,274,000 | 83,537,000 |
| Total loans | 36,240,000 | 36,298,000 | 35,280,000 | 36,329,000 |
| Allowance for loan losses | 303,000 | 362,000 | 322,000 | 349,000 |
| Securities available for sale | 48,754,000 | 50,783,000 | 49,312,000 | 43,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,741,000 | 62,974,000 | 62,569,000 | 61,447,000 |
| Interest-bearing deposits | 58,035,000 | 57,940,000 | 57,607,000 | 56,211,000 |
| Noninterest-bearing deposits | 5,706,000 | 5,035,000 | 4,962,000 | 5,236,000 |
| Equity capital | 6,784,000 | 7,357,000 | 6,279,000 | 6,431,000 |
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 | 1,155,000 | 2,216,000 | 3,317,000 | 4,412,000 |
| Interest expense | 508,000 | 974,000 | 1,427,000 | 1,837,000 |
| Net interest income | 647,000 | 1,242,000 | 1,890,000 | 2,575,000 |
| Noninterest income | 54,000 | 112,000 | 175,000 | 232,000 |
| Noninterest expense | 399,000 | 842,000 | 1,230,000 | 1,664,000 |
| Provision for loan losses | 159,000 | 270,000 | 354,000 | 442,000 |
| Pretax income | 165,000 | 445,000 | 721,000 | 1,277,000 |
| Income tax | 11,000 | 21,000 | 13,000 | 0 |
| Net income | 154,000 | 424,000 | 708,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,243,000 | 6,311,000 | 6,460,000 | 6,704,000 |
| Total capital | 6,546,000 | 6,673,000 | 6,782,000 | 7,053,000 |
| Risk-weighted assets | 41,948,000 | 42,994,000 | 41,741,000 | 41,197,000 |