Call reports 2003
NORTH AMERICAN STATE BANK — 2003
What NORTH AMERICAN STATE 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 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 84,349,000 | 83,515,000 | 86,053,000 | 86,847,000 |
| Total loans | 55,702,000 | 59,452,000 | 62,076,000 | 63,842,000 |
| Allowance for loan losses | 908,000 | 940,000 | 1,015,000 | 1,045,000 |
| Securities available for sale | 20,505,000 | 17,390,000 | 16,660,000 | 16,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,466,000 | 58,891,000 | 62,032,000 | 61,704,000 |
| Interest-bearing deposits | 53,281,000 | 51,561,000 | 53,833,000 | 52,708,000 |
| Noninterest-bearing deposits | 8,185,000 | 7,330,000 | 8,199,000 | 8,996,000 |
| Equity capital | 10,651,000 | 11,067,000 | 10,836,000 | 10,764,000 |
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 | 1,435,000 | 2,844,000 | 4,263,000 | 5,687,000 |
| Interest expense | 502,000 | 982,000 | 1,457,000 | 1,919,000 |
| Net interest income | 933,000 | 1,862,000 | 2,806,000 | 3,768,000 |
| Noninterest income | 83,000 | 210,000 | 317,000 | 393,000 |
| Noninterest expense | 578,000 | 1,274,000 | 2,063,000 | 2,962,000 |
| Provision for loan losses | 67,000 | 97,000 | 179,000 | 220,000 |
| Pretax income | 371,000 | 810,000 | 998,000 | 1,127,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 3,000 |
| Net income | 369,000 | 807,000 | 995,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,773,000 | 10,152,000 | 10,140,000 | 10,183,000 |
| Total capital | 10,556,000 | 10,968,000 | 10,986,000 | 11,041,000 |
| Risk-weighted assets | 62,547,000 | 65,157,000 | 67,475,000 | 68,421,000 |