Call reports 2003
RNB STATE BANK — 2003
What RNB 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 | 125,650,000 | 127,318,000 | 123,266,000 | 119,765,000 |
| Total loans | 82,418,000 | 83,411,000 | 79,678,000 | 79,847,000 |
| Allowance for loan losses | 927,000 | 917,000 | 918,000 | 920,000 |
| Securities available for sale | 27,070,000 | 29,885,000 | 25,954,000 | 28,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,881,000 | 112,231,000 | 108,120,000 | 104,377,000 |
| Interest-bearing deposits | 101,757,000 | 102,089,000 | 97,048,000 | 92,574,000 |
| Noninterest-bearing deposits | 9,124,000 | 10,142,000 | 11,072,000 | 11,802,000 |
| Equity capital | 11,544,000 | 11,472,000 | 11,425,000 | 11,740,000 |
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 | 1,831,000 | 3,589,000 | 5,374,000 | 7,028,000 |
| Interest expense | 515,000 | 989,000 | 1,406,000 | 1,746,000 |
| Net interest income | 1,316,000 | 2,600,000 | 3,968,000 | 5,282,000 |
| Noninterest income | 175,000 | 360,000 | 537,000 | 687,000 |
| Noninterest expense | 1,014,000 | 2,035,000 | 3,077,000 | 4,027,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 477,000 | 925,000 | 1,428,000 | 1,942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 477,000 | 925,000 | 1,428,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,958,000 | 10,905,000 | 11,208,000 | 11,473,000 |
| Total capital | 11,885,000 | 11,822,000 | 12,125,000 | 12,393,000 |
| Risk-weighted assets | 90,911,000 | 93,494,000 | 90,188,000 | 91,085,000 |