Call reports 2003
FIRST CHATHAM BANK — 2003
What FIRST CHATHAM 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 | 111,636,000 | 121,410,000 | 130,784,000 | 147,469,000 |
| Total loans | 75,006,000 | 88,766,000 | 90,121,000 | 99,198,000 |
| Allowance for loan losses | 864,000 | 972,000 | 1,035,000 | 1,100,000 |
| Securities available for sale | 18,941,000 | 23,077,000 | 29,998,000 | 36,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,884,000 | 103,555,000 | 108,116,000 | 118,832,000 |
| Interest-bearing deposits | 87,040,000 | 94,784,000 | 98,945,000 | 108,998,000 |
| Noninterest-bearing deposits | 6,844,000 | 8,771,000 | 9,171,000 | 9,834,000 |
| Equity capital | 10,886,000 | 10,939,000 | 10,789,000 | 11,883,000 |
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 | 1,161,000 | 2,593,000 | 4,110,000 | 5,751,000 |
| Interest expense | 488,000 | 1,010,000 | 1,520,000 | 2,073,000 |
| Net interest income | 673,000 | 1,583,000 | 2,590,000 | 3,678,000 |
| Noninterest income | 83,000 | 247,000 | 413,000 | 547,000 |
| Noninterest expense | 853,000 | 1,789,000 | 2,752,000 | 3,819,000 |
| Provision for loan losses | 132,000 | 240,000 | 303,000 | 368,000 |
| Pretax income | -172,000 | -157,000 | -55,000 | 30,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -172,000 | -157,000 | -55,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,455,000 | 10,477,000 | 10,567,000 | 11,658,000 |
| Total capital | 11,319,000 | 11,449,000 | 11,602,000 | 12,758,000 |
| Risk-weighted assets | 85,708,000 | 97,646,000 | 96,033,000 | 106,874,000 |