Call reports 2003
JOHNSON CITY BANK — 2003
What JOHNSON CITY BANK 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 | 47,147,000 | 48,173,000 | 49,450,000 | 49,964,000 |
| Total loans | 31,021,000 | 33,503,000 | 35,297,000 | 35,991,000 |
| Allowance for loan losses | 706,000 | 743,000 | 793,000 | 791,000 |
| Securities available for sale | 1,513,000 | 1,508,000 | 0 | 0 |
| Securities held to maturity | 5,994,000 | 3,986,000 | 4,960,000 | 4,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,047,000 | 41,985,000 | 43,136,000 | 43,574,000 |
| Interest-bearing deposits | 32,471,000 | 33,510,000 | 34,090,000 | 34,184,000 |
| Noninterest-bearing deposits | 8,576,000 | 8,475,000 | 9,046,000 | 9,390,000 |
| Equity capital | 5,973,000 | 6,087,000 | 6,215,000 | 6,322,000 |
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 | 773,000 | 1,548,000 | 2,334,000 | 3,125,000 |
| Interest expense | 168,000 | 331,000 | 487,000 | 639,000 |
| Net interest income | 605,000 | 1,217,000 | 1,847,000 | 2,486,000 |
| Noninterest income | 42,000 | 80,000 | 130,000 | 178,000 |
| Noninterest expense | 338,000 | 672,000 | 1,012,000 | 1,397,000 |
| Provision for loan losses | 50,000 | 90,000 | 130,000 | 161,000 |
| Pretax income | 259,000 | 535,000 | 835,000 | 1,106,000 |
| Income tax | 0 | -5,000 | -5,000 | -5,000 |
| Net income | 259,000 | 540,000 | 840,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,962,000 | 6,080,000 | 6,215,000 | 6,322,000 |
| Total capital | 6,328,000 | 6,472,000 | 6,624,000 | 6,734,000 |
| Risk-weighted assets | 29,004,000 | 30,991,000 | 32,368,000 | 32,580,000 |