Call reports 2003
EAST TEXAS NATIONAL BANK OF PALESTINE, THE — 2003
What EAST TEXAS NATIONAL BANK OF PALESTINE, THE 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 | 112,699,000 | 109,150,000 | 109,424,000 | 113,821,000 |
| Total loans | 50,545,000 | 51,681,000 | 51,038,000 | 52,035,000 |
| Allowance for loan losses | 670,000 | 362,000 | 375,000 | 418,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,915,000 | 37,264,000 | 45,399,000 | 44,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,622,000 | 98,734,000 | 99,098,000 | 103,840,000 |
| Interest-bearing deposits | 63,952,000 | 60,610,000 | 60,102,000 | 63,118,000 |
| Noninterest-bearing deposits | 38,670,000 | 38,124,000 | 38,996,000 | 40,722,000 |
| Equity capital | 9,319,000 | 9,319,000 | 9,320,000 | 9,347,000 |
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 | 1,337,000 | 2,670,000 | 3,964,000 | 5,246,000 |
| Interest expense | 134,000 | 257,000 | 369,000 | 475,000 |
| Net interest income | 1,203,000 | 2,413,000 | 3,595,000 | 4,771,000 |
| Noninterest income | 298,000 | 580,000 | 863,000 | 1,234,000 |
| Noninterest expense | 1,070,000 | 2,176,000 | 3,244,000 | 4,204,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 416,000 | 787,000 | 1,169,000 | 1,741,000 |
| Income tax | 12,000 | 26,000 | 39,000 | 53,000 |
| Net income | 404,000 | 761,000 | 1,130,000 | 1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,252,000 | 8,252,000 | 8,253,000 | 8,280,000 |
| Total capital | 8,922,000 | 8,614,000 | 8,628,000 | 8,698,000 |
| Risk-weighted assets | 58,896,000 | 59,847,000 | 57,763,000 | 59,682,000 |