Call reports 2003
NAPOLEON STATE BANK, THE — 2003
What NAPOLEON STATE BANK, 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 | 83,952,000 | 84,608,000 | 86,126,000 | 87,350,000 |
| Total loans | 65,534,000 | 67,686,000 | 67,215,000 | 67,175,000 |
| Allowance for loan losses | 754,000 | 780,000 | 798,000 | 791,000 |
| Securities available for sale | 4,695,000 | 4,381,000 | 4,077,000 | 4,858,000 |
| Securities held to maturity | 3,013,000 | 3,071,000 | 3,172,000 | 3,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,692,000 | 74,163,000 | 75,490,000 | 76,707,000 |
| Interest-bearing deposits | 63,973,000 | 65,240,000 | 66,681,000 | 67,382,000 |
| Noninterest-bearing deposits | 8,719,000 | 8,923,000 | 8,809,000 | 9,325,000 |
| Equity capital | 8,662,000 | 8,912,000 | 9,177,000 | 9,287,000 |
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 | 1,256,000 | 2,519,000 | 3,765,000 | 4,983,000 |
| Interest expense | 427,000 | 845,000 | 1,250,000 | 1,641,000 |
| Net interest income | 829,000 | 1,674,000 | 2,515,000 | 3,342,000 |
| Noninterest income | 175,000 | 392,000 | 626,000 | 791,000 |
| Noninterest expense | 478,000 | 984,000 | 1,539,000 | 2,142,000 |
| Provision for loan losses | 85,000 | 175,000 | 220,000 | 255,000 |
| Pretax income | 441,000 | 907,000 | 1,382,000 | 1,736,000 |
| Income tax | 167,000 | 344,000 | 525,000 | 658,000 |
| Net income | 274,000 | 563,000 | 857,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,595,000 | 8,846,000 | 9,137,000 | 9,248,000 |
| Total capital | 9,335,000 | 9,608,000 | 9,913,000 | 10,018,000 |
| Risk-weighted assets | 59,224,000 | 60,908,000 | 62,018,000 | 61,547,000 |