Call reports 2003
FIRST NATIONAL BANK OF STARBUCK, THE — 2003
What FIRST NATIONAL BANK OF STARBUCK, 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 | 26,974,000 | 26,960,000 | 29,086,000 | 26,701,000 |
| Total loans | 13,766,000 | 12,922,000 | 12,148,000 | 11,663,000 |
| Allowance for loan losses | 280,000 | 252,000 | 256,000 | 293,000 |
| Securities available for sale | 7,035,000 | 7,142,000 | 10,641,000 | 12,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,681,000 | 22,574,000 | 24,751,000 | 23,920,000 |
| Interest-bearing deposits | 19,109,000 | 18,853,000 | 19,288,000 | 19,603,000 |
| Noninterest-bearing deposits | 3,572,000 | 3,721,000 | 5,463,000 | 4,317,000 |
| Equity capital | 2,381,000 | 2,445,000 | 2,439,000 | 2,370,000 |
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 | 353,000 | 685,000 | 1,000,000 | 1,308,000 |
| Interest expense | 113,000 | 209,000 | 300,000 | 386,000 |
| Net interest income | 240,000 | 476,000 | 700,000 | 922,000 |
| Noninterest income | 53,000 | 108,000 | 160,000 | 317,000 |
| Noninterest expense | 238,000 | 442,000 | 673,000 | 959,000 |
| Provision for loan losses | 18,000 | 29,000 | 35,000 | 91,000 |
| Pretax income | 37,000 | 113,000 | 152,000 | 189,000 |
| Income tax | 8,000 | 33,000 | 40,000 | 12,000 |
| Net income | 29,000 | 80,000 | 112,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,260,000 | 2,311,000 | 2,342,000 | 2,299,000 |
| Total capital | 2,440,000 | 2,486,000 | 2,519,000 | 2,466,000 |
| Risk-weighted assets | 14,305,000 | 13,918,000 | 14,091,000 | 13,252,000 |