Call reports 2003
GNB BANK — 2003
What GNB 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 | 130,608,000 | 127,050,000 | 124,004,000 | 128,899,000 |
| Total loans | 71,740,000 | 72,181,000 | 72,673,000 | 75,235,000 |
| Allowance for loan losses | 1,004,000 | 1,022,000 | 1,067,000 | 964,000 |
| Securities available for sale | 37,289,000 | 38,762,000 | 35,831,000 | 40,201,000 |
| Securities held to maturity | 1,164,000 | 1,099,000 | 935,000 | 927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,833,000 | 95,988,000 | 94,108,000 | 94,225,000 |
| Interest-bearing deposits | 90,766,000 | 86,260,000 | 83,084,000 | 83,011,000 |
| Noninterest-bearing deposits | 10,067,000 | 9,728,000 | 11,024,000 | 11,214,000 |
| Equity capital | 15,377,000 | 15,506,000 | 15,520,000 | 15,584,000 |
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 | 1,627,000 | 3,184,000 | 4,677,000 | 6,247,000 |
| Interest expense | 626,000 | 1,234,000 | 1,792,000 | 2,320,000 |
| Net interest income | 1,001,000 | 1,950,000 | 2,885,000 | 3,927,000 |
| Noninterest income | 334,000 | 692,000 | 1,137,000 | 1,556,000 |
| Noninterest expense | 892,000 | 1,739,000 | 2,566,000 | 3,747,000 |
| Provision for loan losses | 45,000 | 60,000 | 75,000 | 0 |
| Pretax income | 398,000 | 843,000 | 1,381,000 | 1,736,000 |
| Income tax | 75,000 | 156,000 | 279,000 | 272,000 |
| Net income | 323,000 | 687,000 | 1,102,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,465,000 | 13,513,000 | 13,719,000 | 13,905,000 |
| Total capital | 14,469,000 | 14,535,000 | 14,786,000 | 14,869,000 |
| Risk-weighted assets | 87,985,000 | 87,951,000 | 89,031,000 | 92,339,000 |