Call reports 2003
BATH NATIONAL BANK — 2003
What BATH 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 | 502,606,000 | 499,330,000 | 473,328,000 | 462,113,000 |
| Total loans | 240,708,000 | 245,653,000 | 248,949,000 | 236,851,000 |
| Allowance for loan losses | 3,608,000 | 4,390,000 | 4,165,000 | 4,555,000 |
| Securities available for sale | 196,835,000 | 163,699,000 | 141,092,000 | 162,704,000 |
| Securities held to maturity | 1,809,000 | 2,697,000 | 2,547,000 | 2,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,981,000 | 378,613,000 | 362,097,000 | 343,561,000 |
| Interest-bearing deposits | 337,227,000 | 328,276,000 | 309,715,000 | 292,229,000 |
| Noninterest-bearing deposits | 47,754,000 | 50,337,000 | 52,382,000 | 51,332,000 |
| Equity capital | 68,935,000 | 69,393,000 | 68,892,000 | 75,924,000 |
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 | 5,922,000 | 11,818,000 | 17,152,000 | 22,398,000 |
| Interest expense | 2,069,000 | 4,006,000 | 5,661,000 | 7,202,000 |
| Net interest income | 3,853,000 | 7,812,000 | 11,491,000 | 15,196,000 |
| Noninterest income | 838,000 | 1,788,000 | 2,806,000 | 4,221,000 |
| Noninterest expense | 2,838,000 | 5,821,000 | 8,859,000 | 11,959,000 |
| Provision for loan losses | 240,000 | 2,000,000 | 2,225,000 | 3,025,000 |
| Pretax income | 1,781,000 | 2,034,000 | 3,945,000 | 5,183,000 |
| Income tax | 451,000 | 402,000 | 818,000 | 1,075,000 |
| Net income | 1,330,000 | 1,632,000 | 3,127,000 | 4,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,890,000 | 25,572,000 | 27,133,000 | 34,202,000 |
| Total capital | 29,210,000 | 28,911,000 | 30,398,000 | 37,343,000 |
| Risk-weighted assets | 265,284,000 | 266,075,000 | 260,265,000 | 249,887,000 |