Call reports 2003
SECOND NATIONAL BANK — 2003
What SECOND NATIONAL 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 | 389,981,000 | 370,718,000 | 360,616,000 | 399,766,000 |
| Total loans | 174,079,000 | 178,316,000 | 176,660,000 | 182,980,000 |
| Allowance for loan losses | 4,219,000 | 4,369,000 | 4,440,000 | 4,246,000 |
| Securities available for sale | 171,621,000 | 139,751,000 | 162,609,000 | 185,227,000 |
| Securities held to maturity | 26,703,000 | 9,361,000 | 4,926,000 | 3,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,544,000 | 267,342,000 | 265,527,000 | 276,267,000 |
| Interest-bearing deposits | 236,833,000 | 235,167,000 | 231,808,000 | 242,246,000 |
| Noninterest-bearing deposits | 30,711,000 | 32,175,000 | 33,719,000 | 34,021,000 |
| Equity capital | 23,147,000 | 25,384,000 | 25,795,000 | 22,233,000 |
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 | 5,192,000 | 10,309,000 | 15,216,000 | 20,257,000 |
| Interest expense | 1,657,000 | 3,286,000 | 4,822,000 | 6,295,000 |
| Net interest income | 3,535,000 | 7,023,000 | 10,394,000 | 13,962,000 |
| Noninterest income | 772,000 | 1,674,000 | 2,396,000 | 2,938,000 |
| Noninterest expense | 1,872,000 | 3,662,000 | 5,487,000 | 7,288,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 360,000 |
| Pretax income | 2,097,000 | 4,547,000 | 6,550,000 | 8,855,000 |
| Income tax | 619,000 | 1,364,000 | 1,954,000 | 2,654,000 |
| Net income | 1,478,000 | 3,183,000 | 4,596,000 | 6,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,336,000 | 22,037,000 | 23,448,000 | 20,054,000 |
| Total capital | 28,077,000 | 29,768,000 | 31,152,000 | 27,892,000 |
| Risk-weighted assets | 217,800,000 | 216,870,000 | 214,549,000 | 225,629,000 |