Call reports 2003
NATIONAL BANK OF MALVERN, THE — 2003
What NATIONAL BANK OF MALVERN, 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 | 84,316,000 | 89,257,000 | 95,155,000 | 95,209,000 |
| Total loans | 57,594,000 | 65,762,000 | 70,512,000 | 74,571,000 |
| Allowance for loan losses | 1,090,000 | 1,090,000 | 1,090,000 | 1,189,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,876,000 | 18,921,000 | 18,902,000 | 18,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,711,000 | 78,245,000 | 79,566,000 | 81,601,000 |
| Interest-bearing deposits | 58,366,000 | 61,737,000 | 63,690,000 | 65,572,000 |
| Noninterest-bearing deposits | 15,345,000 | 16,508,000 | 15,876,000 | 16,029,000 |
| Equity capital | 10,476,000 | 10,899,000 | 11,367,000 | 11,135,000 |
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 | 1,236,000 | 2,546,000 | 3,858,000 | 5,206,000 |
| Interest expense | 270,000 | 544,000 | 800,000 | 1,095,000 |
| Net interest income | 966,000 | 2,002,000 | 3,058,000 | 4,111,000 |
| Noninterest income | 61,000 | 91,000 | 123,000 | 169,000 |
| Noninterest expense | 462,000 | 1,004,000 | 1,475,000 | 2,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 565,000 | 1,089,000 | 1,706,000 | 1,880,000 |
| Income tax | 54,000 | 154,000 | 304,000 | 709,000 |
| Net income | 511,000 | 935,000 | 1,402,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,476,000 | 10,899,000 | 11,367,000 | 11,135,000 |
| Total capital | 11,130,000 | 11,605,000 | 12,126,000 | 11,921,000 |
| Risk-weighted assets | 51,855,000 | 56,123,000 | 60,422,000 | 62,481,000 |