Call reports 2003
BANK OF NEW CAMBRIA — 2003
What BANK OF NEW CAMBRIA 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 | 25,144,000 | 25,903,000 | 26,238,000 | 27,674,000 |
| Total loans | 12,204,000 | 12,637,000 | 13,348,000 | 13,165,000 |
| Allowance for loan losses | 171,000 | 170,000 | 170,000 | 165,000 |
| Securities available for sale | 8,801,000 | 9,361,000 | 9,870,000 | 10,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,019,000 | 22,712,000 | 23,112,000 | 24,676,000 |
| Interest-bearing deposits | 18,906,000 | 19,653,000 | 20,275,000 | 21,742,000 |
| Noninterest-bearing deposits | 3,113,000 | 3,059,000 | 2,837,000 | 2,934,000 |
| Equity capital | 2,978,000 | 3,045,000 | 3,010,000 | 2,918,000 |
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 | 319,000 | 619,000 | 923,000 | 1,228,000 |
| Interest expense | 97,000 | 192,000 | 281,000 | 364,000 |
| Net interest income | 222,000 | 427,000 | 642,000 | 864,000 |
| Noninterest income | 23,000 | 51,000 | 77,000 | 104,000 |
| Noninterest expense | 189,000 | 396,000 | 598,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 82,000 | 121,000 | 137,000 |
| Income tax | 18,000 | 10,000 | 18,000 | 13,000 |
| Net income | 38,000 | 72,000 | 103,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,858,000 | 2,891,000 | 2,923,000 | 2,869,000 |
| Total capital | 3,029,000 | 3,061,000 | 3,093,000 | 3,034,000 |
| Risk-weighted assets | 15,401,000 | 15,859,000 | 16,468,000 | 16,611,000 |