Call reports 2003
BANK OF NICHOLS HILLS — 2003
What BANK OF NICHOLS HILLS 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 | 79,018,000 | 79,383,000 | 87,778,000 | 95,199,000 |
| Total loans | 66,906,000 | 67,194,000 | 72,422,000 | 77,227,000 |
| Allowance for loan losses | 704,000 | 726,000 | 746,000 | 767,000 |
| Securities available for sale | 2,476,000 | 1,461,000 | 1,941,000 | 2,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,657,000 | 71,739,000 | 77,965,000 | 83,253,000 |
| Interest-bearing deposits | 50,393,000 | 51,184,000 | 64,640,000 | 62,834,000 |
| Noninterest-bearing deposits | 21,264,000 | 20,555,000 | 13,325,000 | 20,419,000 |
| Equity capital | 6,728,000 | 6,940,000 | 7,072,000 | 7,207,000 |
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 | 1,159,000 | 2,295,000 | 3,449,000 | 4,711,000 |
| Interest expense | 308,000 | 604,000 | 873,000 | 1,139,000 |
| Net interest income | 851,000 | 1,691,000 | 2,576,000 | 3,572,000 |
| Noninterest income | 183,000 | 364,000 | 540,000 | 709,000 |
| Noninterest expense | 639,000 | 1,283,000 | 1,953,000 | 2,690,000 |
| Provision for loan losses | 0 | 7,000 | 32,000 | 62,000 |
| Pretax income | 395,000 | 765,000 | 1,131,000 | 1,529,000 |
| Income tax | 118,000 | 263,000 | 409,000 | 565,000 |
| Net income | 277,000 | 502,000 | 722,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,697,000 | 6,922,000 | 7,062,000 | 7,204,000 |
| Total capital | 7,401,000 | 7,648,000 | 7,808,000 | 7,971,000 |
| Risk-weighted assets | 69,547,000 | 70,293,000 | 75,402,000 | 81,387,000 |