Call reports 2003
FIRST NATIONAL BANK OF ELMER — 2003
What FIRST NATIONAL BANK OF ELMER 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 | 168,533,000 | 172,857,000 | 182,185,000 | 180,405,000 |
| Total loans | 135,435,000 | 143,637,000 | 149,004,000 | 153,360,000 |
| Allowance for loan losses | 1,422,000 | 1,424,000 | 1,452,000 | 1,490,000 |
| Securities available for sale | 12,021,000 | 6,763,000 | 6,273,000 | 7,197,000 |
| Securities held to maturity | 9,203,000 | 8,806,000 | 8,340,000 | 7,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,110,000 | 154,899,000 | 163,985,000 | 162,805,000 |
| Interest-bearing deposits | 120,264,000 | 121,832,000 | 129,567,000 | 131,093,000 |
| Noninterest-bearing deposits | 29,846,000 | 33,067,000 | 34,418,000 | 31,712,000 |
| Equity capital | 16,413,000 | 16,390,000 | 16,988,000 | 16,210,000 |
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 | 2,689,000 | 5,516,000 | 8,244,000 | 10,988,000 |
| Interest expense | 656,000 | 1,275,000 | 1,821,000 | 2,339,000 |
| Net interest income | 2,033,000 | 4,241,000 | 6,423,000 | 8,649,000 |
| Noninterest income | 173,000 | 369,000 | 574,000 | 794,000 |
| Noninterest expense | 1,278,000 | 2,727,000 | 4,028,000 | 5,750,000 |
| Provision for loan losses | 30,000 | 60,000 | 92,000 | 123,000 |
| Pretax income | 898,000 | 1,823,000 | 2,877,000 | 3,570,000 |
| Income tax | 395,000 | 732,000 | 1,183,000 | 1,454,000 |
| Net income | 503,000 | 1,091,000 | 1,694,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,401,000 | 16,384,000 | 16,987,000 | 16,208,000 |
| Total capital | 17,823,000 | 17,808,000 | 18,439,000 | 17,698,000 |
| Risk-weighted assets | 128,029,000 | 135,155,000 | 141,548,000 | 144,291,000 |