Call reports 2003
BANK OF FINCASTLE, THE — 2003
What BANK OF FINCASTLE, 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 | 129,994,000 | 133,908,000 | 134,108,000 | 131,440,000 |
| Total loans | 104,396,000 | 104,365,000 | 100,815,000 | 105,461,000 |
| Allowance for loan losses | 1,106,000 | 1,079,000 | 1,055,000 | 1,100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,194,000 | 6,165,000 | 6,174,000 | 7,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,045,000 | 116,024,000 | 115,767,000 | 113,051,000 |
| Interest-bearing deposits | 84,846,000 | 86,152,000 | 87,355,000 | 84,099,000 |
| Noninterest-bearing deposits | 27,199,000 | 29,872,000 | 28,412,000 | 28,952,000 |
| Equity capital | 17,416,000 | 17,538,000 | 17,937,000 | 17,904,000 |
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 | 1,730,000 | 3,454,000 | 5,145,000 | 6,849,000 |
| Interest expense | 418,000 | 797,000 | 1,175,000 | 1,498,000 |
| Net interest income | 1,312,000 | 2,657,000 | 3,970,000 | 5,351,000 |
| Noninterest income | 299,000 | 597,000 | 926,000 | 1,113,000 |
| Noninterest expense | 924,000 | 1,867,000 | 2,860,000 | 3,885,000 |
| Provision for loan losses | 60,000 | 150,000 | 210,000 | 270,000 |
| Pretax income | 627,000 | 1,237,000 | 1,826,000 | 2,309,000 |
| Income tax | 180,000 | 372,000 | 562,000 | 736,000 |
| Net income | 447,000 | 865,000 | 1,264,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,416,000 | 17,538,000 | 17,937,000 | 17,904,000 |
| Total capital | 18,522,000 | 18,617,000 | 18,992,000 | 19,004,000 |
| Risk-weighted assets | 103,276,000 | 103,252,000 | 103,477,000 | 106,367,000 |