Call reports 2003
FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE — 2003
What FIRST NATIONAL BANK OF RUSSELL SPRINGS, 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 | 117,647,000 | 119,765,000 | 127,371,000 | 128,241,000 |
| Total loans | 67,310,000 | 68,611,000 | 69,972,000 | 68,756,000 |
| Allowance for loan losses | 1,052,000 | 1,052,000 | 1,091,000 | 1,143,000 |
| Securities available for sale | 36,712,000 | 41,345,000 | 51,868,000 | 53,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,143,000 | 99,522,000 | 107,474,000 | 108,173,000 |
| Interest-bearing deposits | 80,476,000 | 81,060,000 | 88,796,000 | 90,345,000 |
| Noninterest-bearing deposits | 17,667,000 | 18,462,000 | 18,678,000 | 17,828,000 |
| Equity capital | 14,970,000 | 15,501,000 | 15,365,000 | 15,626,000 |
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 | 1,641,000 | 3,335,000 | 5,038,000 | 6,736,000 |
| Interest expense | 578,000 | 1,161,000 | 1,720,000 | 2,280,000 |
| Net interest income | 1,063,000 | 2,174,000 | 3,318,000 | 4,456,000 |
| Noninterest income | 130,000 | 291,000 | 449,000 | 617,000 |
| Noninterest expense | 761,000 | 1,567,000 | 2,347,000 | 3,195,000 |
| Provision for loan losses | 25,000 | 65,000 | 125,000 | 185,000 |
| Pretax income | 407,000 | 833,000 | 1,295,000 | 1,693,000 |
| Income tax | 72,000 | 148,000 | 232,000 | 293,000 |
| Net income | 335,000 | 685,000 | 1,063,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,064,000 | 14,264,000 | 14,643,000 | 14,830,000 |
| Total capital | 15,008,000 | 15,226,000 | 15,630,000 | 15,812,000 |
| Risk-weighted assets | 75,410,000 | 76,867,000 | 78,859,000 | 78,428,000 |