Call reports 2003
FIRST NATIONAL BANK OF NASSAU COUNTY — 2003
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 103,831,000 | 118,332,000 | 106,878,000 | 106,442,000 |
| Total loans | 84,450,000 | 98,503,000 | 76,765,000 | 70,561,000 |
| Allowance for loan losses | 798,000 | 797,000 | 797,000 | 789,000 |
| Securities available for sale | 9,124,000 | 8,079,000 | 8,130,000 | 26,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,786,000 | 93,316,000 | 88,264,000 | 85,175,000 |
| Interest-bearing deposits | 74,088,000 | 78,972,000 | 76,355,000 | 73,616,000 |
| Noninterest-bearing deposits | 10,698,000 | 14,344,000 | 11,909,000 | 11,559,000 |
| Equity capital | 11,178,000 | 11,818,000 | 12,537,000 | 12,595,000 |
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 | 1,398,000 | 2,794,000 | 4,313,000 | 5,617,000 |
| Interest expense | 469,000 | 916,000 | 1,322,000 | 1,665,000 |
| Net interest income | 929,000 | 1,878,000 | 2,991,000 | 3,952,000 |
| Noninterest income | 1,558,000 | 3,548,000 | 5,679,000 | 6,747,000 |
| Noninterest expense | 1,656,000 | 3,533,000 | 5,553,000 | 7,239,000 |
| Provision for loan losses | 33,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 798,000 | 1,860,000 | 3,084,000 | 3,427,000 |
| Income tax | 296,000 | 688,000 | 1,143,000 | 1,420,000 |
| Net income | 502,000 | 1,172,000 | 1,941,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,983,000 | 11,653,000 | 12,422,000 | 12,488,000 |
| Total capital | 11,781,000 | 12,450,000 | 13,219,000 | 13,277,000 |
| Risk-weighted assets | 75,233,000 | 82,529,000 | 85,821,000 | 82,488,000 |