Call reports 2003
FIRST BANK OF BANCROFT — 2003
What FIRST BANK OF BANCROFT 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 | 14,566,000 | 14,182,000 | 14,603,000 | 14,694,000 |
| Total loans | 10,041,000 | 10,948,000 | 10,106,000 | 11,039,000 |
| Allowance for loan losses | 181,000 | 182,000 | 184,000 | 180,000 |
| Securities available for sale | 2,210,000 | 1,800,000 | 2,060,000 | 2,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,626,000 | 11,213,000 | 11,603,000 | 11,827,000 |
| Interest-bearing deposits | 10,097,000 | 9,789,000 | 9,979,000 | 10,107,000 |
| Noninterest-bearing deposits | 1,529,000 | 1,424,000 | 1,624,000 | 1,720,000 |
| Equity capital | 2,715,000 | 2,748,000 | 2,766,000 | 2,699,000 |
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 | 255,000 | 455,000 | 649,000 | 844,000 |
| Interest expense | 44,000 | 86,000 | 126,000 | 164,000 |
| Net interest income | 211,000 | 369,000 | 523,000 | 680,000 |
| Noninterest income | 10,000 | 22,000 | 36,000 | 52,000 |
| Noninterest expense | 133,000 | 254,000 | 391,000 | 526,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 131,000 | 162,000 | 200,000 |
| Income tax | 31,000 | 37,000 | 45,000 | 53,000 |
| Net income | 57,000 | 94,000 | 117,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,689,000 | 2,725,000 | 2,748,000 | 2,679,000 |
| Total capital | 2,813,000 | 2,854,000 | 2,872,000 | 2,806,000 |
| Risk-weighted assets | 9,847,000 | 10,295,000 | 9,875,000 | 10,105,000 |