Call reports 2003
FIRST NATIONAL BANK OF RAYMOND, THE — 2003
What FIRST NATIONAL BANK OF RAYMOND, 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 | 107,231,000 | 107,383,000 | 106,671,000 | 105,219,000 |
| Total loans | 64,030,000 | 63,355,000 | 61,333,000 | 60,400,000 |
| Allowance for loan losses | 796,000 | 768,000 | 712,000 | 702,000 |
| Securities available for sale | 33,777,000 | 36,241,000 | 37,311,000 | 38,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,048,000 | 93,930,000 | 93,752,000 | 91,888,000 |
| Interest-bearing deposits | 82,611,000 | 81,991,000 | 82,786,000 | 79,632,000 |
| Noninterest-bearing deposits | 11,437,000 | 11,939,000 | 10,966,000 | 12,256,000 |
| Equity capital | 11,436,000 | 11,713,000 | 11,524,000 | 11,827,000 |
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 | 1,523,000 | 2,986,000 | 4,397,000 | 5,787,000 |
| Interest expense | 701,000 | 1,337,000 | 1,918,000 | 2,404,000 |
| Net interest income | 822,000 | 1,649,000 | 2,479,000 | 3,383,000 |
| Noninterest income | 201,000 | 433,000 | 601,000 | 808,000 |
| Noninterest expense | 729,000 | 1,439,000 | 2,162,000 | 2,888,000 |
| Provision for loan losses | 57,000 | 57,000 | 57,000 | 57,000 |
| Pretax income | 289,000 | 871,000 | 1,147,000 | 1,541,000 |
| Income tax | 57,000 | 219,000 | 275,000 | 370,000 |
| Net income | 232,000 | 652,000 | 872,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,853,000 | 11,149,000 | 11,369,000 | 11,568,000 |
| Total capital | 11,649,000 | 11,917,000 | 12,081,000 | 12,270,000 |
| Risk-weighted assets | 78,940,000 | 77,782,000 | 76,801,000 | 81,102,000 |