Call reports 2003
ONTARIO NATIONAL BANK — 2003
What ONTARIO 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 | 99,252,000 | 101,938,000 | 100,170,000 | 98,288,000 |
| Total loans | 63,268,000 | 65,258,000 | 66,991,000 | 69,715,000 |
| Allowance for loan losses | 637,000 | 670,000 | 705,000 | 648,000 |
| Securities available for sale | 22,223,000 | 22,909,000 | 23,659,000 | 19,880,000 |
| Securities held to maturity | 860,000 | 755,000 | 716,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,084,000 | 78,716,000 | 78,830,000 | 76,707,000 |
| Interest-bearing deposits | 61,617,000 | 63,661,000 | 62,012,000 | 61,517,000 |
| Noninterest-bearing deposits | 14,467,000 | 15,055,000 | 16,818,000 | 15,190,000 |
| Equity capital | 7,967,000 | 7,886,000 | 8,096,000 | 8,191,000 |
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 | 1,411,000 | 2,826,000 | 4,233,000 | 5,611,000 |
| Interest expense | 405,000 | 787,000 | 1,151,000 | 1,493,000 |
| Net interest income | 1,006,000 | 2,039,000 | 3,082,000 | 4,118,000 |
| Noninterest income | 137,000 | 293,000 | 472,000 | 605,000 |
| Noninterest expense | 812,000 | 1,639,000 | 2,460,000 | 3,366,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 298,000 | 627,000 | 995,000 | 1,225,000 |
| Income tax | 92,000 | 192,000 | 315,000 | 381,000 |
| Net income | 206,000 | 435,000 | 680,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,009,000 | 7,537,000 | 7,857,000 | 7,810,000 |
| Total capital | 8,646,000 | 8,207,000 | 8,562,000 | 8,498,000 |
| Risk-weighted assets | 64,906,000 | 66,064,000 | 67,387,000 | 69,289,000 |