Call reports 2003
GRANGE NATIONAL BANK — 2003
What GRANGE NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 277,081,000 | 284,373,000 | 278,410,000 |
| Total loans | 155,813,000 | 160,922,000 | 164,377,000 |
| Allowance for loan losses | 1,513,000 | 1,577,000 | 1,596,000 |
| Securities available for sale | 89,875,000 | 86,848,000 | 78,695,000 |
| Securities held to maturity | 8,125,000 | 6,597,000 | 6,078,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 215,639,000 | 219,551,000 | 214,309,000 |
| Interest-bearing deposits | 182,914,000 | 182,696,000 | 179,806,000 |
| Noninterest-bearing deposits | 32,725,000 | 36,855,000 | 34,503,000 |
| Equity capital | 25,454,000 | 26,555,000 | 26,883,000 |
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 |
|---|---|---|---|
| Interest income | 3,996,000 | 8,013,000 | 11,900,000 |
| Interest expense | 1,553,000 | 3,068,000 | 4,476,000 |
| Net interest income | 2,443,000 | 4,945,000 | 7,424,000 |
| Noninterest income | 429,000 | 918,000 | 1,414,000 |
| Noninterest expense | 1,431,000 | 3,004,000 | 4,714,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 |
| Pretax income | 1,366,000 | 2,711,000 | 4,025,000 |
| Income tax | 331,000 | 597,000 | 935,000 |
| Net income | 1,035,000 | 2,114,000 | 3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 23,688,000 | 24,509,000 | 25,188,000 |
| Total capital | 25,201,000 | 26,085,000 | 26,784,000 |
| Risk-weighted assets | 154,460,000 | 157,936,000 | 158,244,000 |