Call reports 2003
FIRST NATIONAL BANK OF DANVILLE — 2003
What FIRST NATIONAL BANK OF DANVILLE 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 | 154,633,000 | 153,807,000 | 164,768,000 | 172,080,000 |
| Total loans | 73,466,000 | 73,146,000 | 77,625,000 | 76,750,000 |
| Allowance for loan losses | 1,112,000 | 1,100,000 | 1,182,000 | 1,177,000 |
| Securities available for sale | 69,656,000 | 71,762,000 | 77,271,000 | 83,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,221,000 | 125,511,000 | 128,141,000 | 135,007,000 |
| Interest-bearing deposits | 98,595,000 | 99,579,000 | 102,725,000 | 109,844,000 |
| Noninterest-bearing deposits | 25,626,000 | 25,932,000 | 25,416,000 | 25,163,000 |
| Equity capital | 11,545,000 | 11,921,000 | 11,143,000 | 10,756,000 |
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 | 2,144,000 | 4,296,000 | 6,432,000 | 8,598,000 |
| Interest expense | 402,000 | 754,000 | 1,108,000 | 1,485,000 |
| Net interest income | 1,742,000 | 3,542,000 | 5,324,000 | 7,113,000 |
| Noninterest income | 597,000 | 1,275,000 | 1,841,000 | 2,356,000 |
| Noninterest expense | 1,580,000 | 3,100,000 | 4,714,000 | 6,732,000 |
| Provision for loan losses | 2,000 | 168,000 | 228,000 | 228,000 |
| Pretax income | 757,000 | 1,838,000 | 2,908,000 | 3,198,000 |
| Income tax | 261,000 | 649,000 | 1,031,000 | 1,105,000 |
| Net income | 496,000 | 1,189,000 | 1,877,000 | 2,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,371,000 | 10,537,000 | 10,696,000 | 10,285,000 |
| Total capital | 11,352,000 | 11,507,000 | 11,728,000 | 11,336,000 |
| Risk-weighted assets | 78,379,000 | 77,452,000 | 82,392,000 | 83,967,000 |