Call reports 2003
FIRST NATIONAL BANK OF SHINER, THE — 2003
What FIRST NATIONAL BANK OF SHINER, THE 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 | 110,247,000 | 108,353,000 | 106,783,000 | 105,848,000 |
| Total loans | 29,429,000 | 29,139,000 | 30,835,000 | 32,505,000 |
| Allowance for loan losses | 283,000 | 315,000 | 335,000 | 385,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 63,169,000 | 61,812,000 | 63,527,000 | 59,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,309,000 | 93,206,000 | 90,247,000 | 90,735,000 |
| Interest-bearing deposits | 82,424,000 | 79,918,000 | 78,152,000 | 77,620,000 |
| Noninterest-bearing deposits | 12,885,000 | 13,288,000 | 12,095,000 | 13,114,000 |
| Equity capital | 14,499,000 | 14,699,000 | 14,979,000 | 14,787,000 |
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 | 1,196,000 | 2,331,000 | 3,359,000 | 4,428,000 |
| Interest expense | 544,000 | 1,028,000 | 1,456,000 | 1,830,000 |
| Net interest income | 652,000 | 1,303,000 | 1,903,000 | 2,598,000 |
| Noninterest income | 39,000 | 81,000 | 124,000 | 63,000 |
| Noninterest expense | 511,000 | 868,000 | 1,161,000 | 1,457,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 150,000 | 456,000 | 776,000 | 1,044,000 |
| Income tax | 143,000 | 189,000 | 229,000 | 209,000 |
| Net income | 7,000 | 267,000 | 547,000 | 835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,833,000 | 14,033,000 | 14,313,000 | 14,121,000 |
| Total capital | 14,116,000 | 14,348,000 | 14,648,000 | 14,506,000 |
| Risk-weighted assets | 44,386,000 | 43,505,000 | 45,174,000 | 45,853,000 |