Call reports 2003
FIRST NEODESHA BANK — 2003
What FIRST NEODESHA 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 | 48,995,000 | 48,236,000 | 48,817,000 | 50,308,000 |
| Total loans | 37,576,000 | 37,311,000 | 38,433,000 | 39,892,000 |
| Allowance for loan losses | 316,000 | 326,000 | 326,000 | 330,000 |
| Securities available for sale | 15,000 | 15,000 | 15,000 | 15,000 |
| Securities held to maturity | 7,757,000 | 7,248,000 | 7,453,000 | 7,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,618,000 | 43,916,000 | 44,435,000 | 45,818,000 |
| Interest-bearing deposits | 37,857,000 | 37,511,000 | 37,869,000 | 38,741,000 |
| Noninterest-bearing deposits | 6,761,000 | 6,405,000 | 6,566,000 | 7,077,000 |
| Equity capital | 3,297,000 | 3,325,000 | 3,433,000 | 3,608,000 |
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 | 672,000 | 1,345,000 | 2,013,000 | 2,680,000 |
| Interest expense | 254,000 | 495,000 | 727,000 | 950,000 |
| Net interest income | 418,000 | 850,000 | 1,286,000 | 1,730,000 |
| Noninterest income | 118,000 | 215,000 | 301,000 | 396,000 |
| Noninterest expense | 331,000 | 664,000 | 1,002,000 | 1,354,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 14,000 |
| Pretax income | 205,000 | 391,000 | 575,000 | 758,000 |
| Income tax | 6,000 | 14,000 | 23,000 | 31,000 |
| Net income | 199,000 | 377,000 | 552,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,297,000 | 3,325,000 | 3,433,000 | 3,608,000 |
| Total capital | 3,613,000 | 3,651,000 | 3,759,000 | 3,938,000 |
| Risk-weighted assets | 32,447,000 | 32,469,000 | 33,475,000 | 34,602,000 |