Call reports 2003
FIRST NATIONAL BANK OF LACON — 2003
What FIRST NATIONAL BANK OF LACON 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 | 48,802,000 | 52,815,000 | 49,072,000 | 48,773,000 |
| Total loans | 28,225,000 | 29,880,000 | 30,400,000 | 29,770,000 |
| Allowance for loan losses | 153,000 | 121,000 | 122,000 | 139,000 |
| Securities available for sale | 12,670,000 | 10,111,000 | 14,983,000 | 14,488,000 |
| Securities held to maturity | 662,000 | 514,000 | 512,000 | 409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,694,000 | 45,717,000 | 42,035,000 | 41,902,000 |
| Interest-bearing deposits | 35,537,000 | 39,253,000 | 35,692,000 | 35,142,000 |
| Noninterest-bearing deposits | 6,157,000 | 6,464,000 | 6,343,000 | 6,760,000 |
| Equity capital | 4,998,000 | 4,945,000 | 4,833,000 | 4,822,000 |
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 | 668,000 | 1,310,000 | 1,989,000 | 2,673,000 |
| Interest expense | 182,000 | 364,000 | 534,000 | 696,000 |
| Net interest income | 486,000 | 946,000 | 1,455,000 | 1,977,000 |
| Noninterest income | 22,000 | 42,000 | 65,000 | 98,000 |
| Noninterest expense | 323,000 | 619,000 | 935,000 | 1,228,000 |
| Provision for loan losses | 0 | 50,000 | 60,000 | 78,000 |
| Pretax income | 189,000 | 377,000 | 584,000 | 828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 189,000 | 377,000 | 584,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,825,000 | 4,833,000 | 4,850,000 | 4,834,000 |
| Total capital | 4,978,000 | 4,954,000 | 4,972,000 | 4,973,000 |
| Risk-weighted assets | 30,377,000 | 33,048,000 | 32,802,000 | 32,074,000 |