Call reports 2003
CENTER NATIONAL BANK — 2003
What CENTER NATIONAL 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 | 111,042,000 | 118,303,000 | 117,212,000 | 134,876,000 |
| Total loans | 72,104,000 | 72,017,000 | 73,450,000 | 73,141,000 |
| Allowance for loan losses | 1,225,000 | 1,056,000 | 1,217,000 | 1,250,000 |
| Securities available for sale | 15,806,000 | 18,236,000 | 18,384,000 | 21,231,000 |
| Securities held to maturity | 9,559,000 | 9,528,000 | 11,249,000 | 14,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,382,000 | 103,326,000 | 102,589,000 | 118,619,000 |
| Interest-bearing deposits | 85,713,000 | 91,806,000 | 91,479,000 | 105,982,000 |
| Noninterest-bearing deposits | 10,670,000 | 11,520,000 | 11,111,000 | 12,637,000 |
| Equity capital | 12,650,000 | 13,008,000 | 13,415,000 | 13,804,000 |
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 | 1,633,000 | 3,265,000 | 4,889,000 | 6,501,000 |
| Interest expense | 490,000 | 970,000 | 1,450,000 | 1,898,000 |
| Net interest income | 1,143,000 | 2,295,000 | 3,439,000 | 4,603,000 |
| Noninterest income | 169,000 | 347,000 | 551,000 | 690,000 |
| Noninterest expense | 523,000 | 1,301,000 | 1,839,000 | 2,472,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 764,000 | 1,286,000 | 2,066,000 | 2,706,000 |
| Income tax | 274,000 | 451,000 | 731,000 | 951,000 |
| Net income | 490,000 | 835,000 | 1,335,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,439,000 | 12,783,000 | 13,283,000 | 13,703,000 |
| Total capital | 13,429,000 | 13,783,000 | 14,314,000 | 14,784,000 |
| Risk-weighted assets | 78,825,000 | 79,966,000 | 82,288,000 | 86,378,000 |