Call reports 2003
NORTHERN HANCOCK BANK & TRUST CO. — 2003
What NORTHERN HANCOCK BANK & TRUST CO. 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 | 23,125,000 | 23,440,000 | 24,480,000 | 23,483,000 |
| Total loans | 18,487,000 | 18,664,000 | 18,732,000 | 18,471,000 |
| Allowance for loan losses | 380,000 | 369,000 | 385,000 | 396,000 |
| Securities available for sale | 709,000 | 1,025,000 | 1,311,000 | 1,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,986,000 | 20,316,000 | 21,319,000 | 20,704,000 |
| Interest-bearing deposits | 17,580,000 | 17,700,000 | 18,541,000 | 17,622,000 |
| Noninterest-bearing deposits | 2,406,000 | 2,616,000 | 2,778,000 | 3,082,000 |
| Equity capital | 2,992,000 | 3,021,000 | 3,062,000 | 2,705,000 |
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 | 479,000 | 943,000 | 1,423,000 | 1,902,000 |
| Interest expense | 133,000 | 265,000 | 396,000 | 522,000 |
| Net interest income | 346,000 | 678,000 | 1,027,000 | 1,380,000 |
| Noninterest income | 65,000 | 99,000 | 154,000 | 232,000 |
| Noninterest expense | 264,000 | 566,000 | 852,000 | 1,185,000 |
| Provision for loan losses | 13,000 | 26,000 | 54,000 | 68,000 |
| Pretax income | 134,000 | 185,000 | 275,000 | 359,000 |
| Income tax | 54,000 | 74,000 | 124,000 | 151,000 |
| Net income | 80,000 | 111,000 | 151,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,992,000 | 3,023,000 | 3,062,000 | 2,711,000 |
| Total capital | 3,211,000 | 3,246,000 | 3,289,000 | 2,934,000 |
| Risk-weighted assets | 17,344,000 | 17,697,000 | 18,000,000 | 17,689,000 |