Call reports 2003
NEW ERA BANK — 2003
What NEW ERA 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 | 213,006,000 | 209,035,000 | 205,382,000 | 215,108,000 |
| Total loans | 142,821,000 | 145,239,000 | 147,742,000 | 148,434,000 |
| Allowance for loan losses | 1,143,000 | 1,140,000 | 1,136,000 | 1,141,000 |
| Securities available for sale | 38,351,000 | 38,819,000 | 37,538,000 | 42,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,842,000 | 177,534,000 | 173,604,000 | 182,781,000 |
| Interest-bearing deposits | 162,147,000 | 158,998,000 | 157,222,000 | 164,441,000 |
| Noninterest-bearing deposits | 19,695,000 | 18,536,000 | 16,382,000 | 18,340,000 |
| Equity capital | 26,389,000 | 26,916,000 | 27,184,000 | 27,712,000 |
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 | 2,774,000 | 5,476,000 | 8,174,000 | 10,852,000 |
| Interest expense | 1,045,000 | 1,992,000 | 2,861,000 | 3,681,000 |
| Net interest income | 1,729,000 | 3,484,000 | 5,313,000 | 7,171,000 |
| Noninterest income | 243,000 | 550,000 | 912,000 | 1,299,000 |
| Noninterest expense | 858,000 | 1,718,000 | 2,602,000 | 3,562,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 19,000 |
| Pretax income | 1,139,000 | 2,341,000 | 3,648,000 | 4,924,000 |
| Income tax | 267,000 | 261,000 | 261,000 | 261,000 |
| Net income | 872,000 | 2,080,000 | 3,387,000 | 4,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,684,000 | 23,191,000 | 23,797,000 | 24,371,000 |
| Total capital | 23,827,000 | 24,331,000 | 24,933,000 | 25,512,000 |
| Risk-weighted assets | 122,911,000 | 123,888,000 | 124,263,000 | 125,986,000 |