Call reports 2003
NEIGHBORHOOD NATIONAL BANK — 2003
What NEIGHBORHOOD NATIONAL 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 | 155,749,000 | 157,888,000 | 159,182,000 | 163,792,000 |
| Total loans | 81,399,000 | 85,402,000 | 88,255,000 | 97,439,000 |
| Allowance for loan losses | 1,005,000 | 1,052,000 | 1,113,000 | 1,165,000 |
| Securities available for sale | 66,149,000 | 61,380,000 | 62,720,000 | 58,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,236,000 | 140,374,000 | 141,646,000 | 143,932,000 |
| Interest-bearing deposits | 127,016,000 | 128,320,000 | 128,750,000 | 129,548,000 |
| Noninterest-bearing deposits | 11,220,000 | 12,054,000 | 12,896,000 | 14,384,000 |
| Equity capital | 16,120,000 | 16,347,000 | 16,185,000 | 15,990,000 |
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 | 2,386,000 | 4,815,000 | 7,130,000 | 9,557,000 |
| Interest expense | 986,000 | 1,926,000 | 2,786,000 | 3,599,000 |
| Net interest income | 1,400,000 | 2,889,000 | 4,344,000 | 5,958,000 |
| Noninterest income | 177,000 | 367,000 | 624,000 | 810,000 |
| Noninterest expense | 893,000 | 1,739,000 | 2,608,000 | 3,519,000 |
| Provision for loan losses | 0 | 45,000 | 105,000 | 165,000 |
| Pretax income | 713,000 | 1,507,000 | 2,311,000 | 3,186,000 |
| Income tax | 246,000 | 492,000 | 748,000 | 1,032,000 |
| Net income | 467,000 | 1,015,000 | 1,563,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,427,000 | 14,373,000 | 14,955,000 | 14,753,000 |
| Total capital | 15,432,000 | 15,425,000 | 16,068,000 | 15,918,000 |
| Risk-weighted assets | 95,680,000 | 100,023,000 | 102,104,000 | 110,257,000 |