Call reports 2003
FIRST NATIONAL BANK OF BYERS, THE — 2003
What FIRST NATIONAL BANK OF BYERS, 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 | 55,697,000 | 60,361,000 | 61,402,000 | 60,179,000 |
| Total loans | 39,969,000 | 36,084,000 | 38,403,000 | 40,770,000 |
| Allowance for loan losses | 773,000 | 692,000 | 692,000 | 851,000 |
| Securities available for sale | 6,150,000 | 5,562,000 | 7,466,000 | 5,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,676,000 | 53,245,000 | 54,104,000 | 53,158,000 |
| Interest-bearing deposits | 34,795,000 | 37,880,000 | 38,954,000 | 39,056,000 |
| Noninterest-bearing deposits | 13,881,000 | 15,365,000 | 15,150,000 | 14,103,000 |
| Equity capital | 6,795,000 | 6,884,000 | 6,986,000 | 6,961,000 |
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 | 819,000 | 1,582,000 | 2,340,000 | 3,125,000 |
| Interest expense | 171,000 | 336,000 | 496,000 | 641,000 |
| Net interest income | 648,000 | 1,246,000 | 1,844,000 | 2,484,000 |
| Noninterest income | 132,000 | 275,000 | 418,000 | 560,000 |
| Noninterest expense | 532,000 | 1,114,000 | 1,667,000 | 2,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 248,000 | 407,000 | 595,000 | 586,000 |
| Income tax | 83,000 | 136,000 | 199,000 | 191,000 |
| Net income | 165,000 | 271,000 | 396,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,690,000 | 6,797,000 | 6,922,000 | 6,916,000 |
| Total capital | 7,225,000 | 7,301,000 | 7,449,000 | 7,463,000 |
| Risk-weighted assets | 42,582,000 | 40,142,000 | 41,968,000 | 43,432,000 |