Call reports 2003
NEWFIRST NATIONAL BANK — 2003
What NEWFIRST 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 | 136,631,000 | 142,328,000 | 148,132,000 | 154,760,000 |
| Total loans | 53,500,000 | 62,961,000 | 68,486,000 | 74,940,000 |
| Allowance for loan losses | 717,000 | 887,000 | 1,056,000 | 1,124,000 |
| Securities available for sale | 68,853,000 | 67,195,000 | 65,050,000 | 65,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,898,000 | 126,118,000 | 132,738,000 | 139,217,000 |
| Interest-bearing deposits | 88,880,000 | 91,120,000 | 96,798,000 | 96,653,000 |
| Noninterest-bearing deposits | 32,018,000 | 34,998,000 | 35,940,000 | 42,564,000 |
| Equity capital | 14,469,000 | 14,900,000 | 14,380,000 | 14,669,000 |
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 | 1,682,000 | 3,518,000 | 5,416,000 | 7,373,000 |
| Interest expense | 392,000 | 770,000 | 1,108,000 | 1,415,000 |
| Net interest income | 1,290,000 | 2,748,000 | 4,308,000 | 5,958,000 |
| Noninterest income | 556,000 | 1,168,000 | 1,657,000 | 2,114,000 |
| Noninterest expense | 1,454,000 | 2,958,000 | 4,463,000 | 6,072,000 |
| Provision for loan losses | 110,000 | 288,000 | 458,000 | 546,000 |
| Pretax income | 303,000 | 719,000 | 1,139,000 | 1,549,000 |
| Income tax | 98,000 | 196,000 | 317,000 | 437,000 |
| Net income | 205,000 | 523,000 | 822,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,674,000 | 12,995,000 | 13,197,000 | 13,490,000 |
| Total capital | 13,391,000 | 13,882,000 | 14,236,000 | 14,614,000 |
| Risk-weighted assets | 69,009,000 | 81,083,000 | 83,400,000 | 91,321,000 |