Call reports 2003
FIRST NATIONAL BANK OF BELLAIRE — 2003
What FIRST NATIONAL BANK OF BELLAIRE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 79,739,000 | 82,949,000 | 87,349,000 |
| Total loans | 44,203,000 | 46,552,000 | 52,139,000 |
| Allowance for loan losses | 500,000 | 527,000 | 551,000 |
| Securities available for sale | 16,157,000 | 17,874,000 | 19,463,000 |
| Securities held to maturity | 9,836,000 | 10,382,000 | 11,177,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 71,956,000 | 74,837,000 | 78,015,000 |
| Interest-bearing deposits | 55,710,000 | 58,988,000 | 60,752,000 |
| Noninterest-bearing deposits | 16,246,000 | 15,849,000 | 17,263,000 |
| Equity capital | 7,031,000 | 7,057,000 | 6,885,000 |
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 |
|---|---|---|---|
| Interest income | 1,024,000 | 2,047,000 | 3,091,000 |
| Interest expense | 307,000 | 617,000 | 938,000 |
| Net interest income | 717,000 | 1,430,000 | 2,153,000 |
| Noninterest income | 75,000 | 146,000 | 227,000 |
| Noninterest expense | 582,000 | 1,165,000 | 1,792,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 |
| Pretax income | 183,000 | 384,000 | 534,000 |
| Income tax | 46,000 | 100,000 | 140,000 |
| Net income | 137,000 | 284,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 6,914,000 | 6,936,000 | 6,922,000 |
| Total capital | 7,414,000 | 7,463,000 | 7,474,000 |
| Risk-weighted assets | 53,251,000 | 56,680,000 | 61,613,000 |