Call reports 2003
FIRST NATIONAL BANK OF THE NORTH — 2003
What FIRST NATIONAL BANK OF THE NORTH 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 | 60,972,000 | 58,137,000 | 61,635,000 | 60,303,000 |
| Total loans | 41,381,000 | 42,618,000 | 39,684,000 | 37,096,000 |
| Allowance for loan losses | 414,000 | 425,000 | 400,000 | 371,000 |
| Securities available for sale | 14,492,000 | 8,076,000 | 18,748,000 | 18,376,000 |
| Securities held to maturity | 21,000 | 14,000 | 13,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,090,000 | 53,251,000 | 54,156,000 | 52,978,000 |
| Interest-bearing deposits | 49,677,000 | 47,200,000 | 48,256,000 | 47,146,000 |
| Noninterest-bearing deposits | 5,413,000 | 6,051,000 | 5,900,000 | 5,832,000 |
| Equity capital | 5,067,000 | 4,552,000 | 4,201,000 | 4,252,000 |
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 | 913,000 | 1,905,000 | 2,862,000 | 3,778,000 |
| Interest expense | 303,000 | 590,000 | 854,000 | 1,113,000 |
| Net interest income | 610,000 | 1,315,000 | 2,008,000 | 2,665,000 |
| Noninterest income | 49,000 | 102,000 | 149,000 | 189,000 |
| Noninterest expense | 426,000 | 858,000 | 1,395,000 | 1,900,000 |
| Provision for loan losses | -94,000 | -126,000 | -162,000 | -189,000 |
| Pretax income | 327,000 | 696,000 | 970,000 | 1,200,000 |
| Income tax | 128,000 | 252,000 | 357,000 | 495,000 |
| Net income | 199,000 | 444,000 | 613,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,107,000 | 4,211,000 | 4,311,000 | 4,403,000 |
| Total capital | 4,521,000 | 4,636,000 | 4,711,000 | 4,774,000 |
| Risk-weighted assets | 39,827,000 | 40,386,000 | 38,898,000 | 36,874,000 |