Call reports 2003
FIRST NATIONAL BANK OF LAKE CITY & CREEDE — 2003
What FIRST NATIONAL BANK OF LAKE CITY & CREEDE 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 | 28,606,000 | 30,140,000 | 32,783,000 | 31,764,000 |
| Total loans | 19,208,000 | 19,106,000 | 18,829,000 | 18,316,000 |
| Allowance for loan losses | 287,000 | 288,000 | 288,000 | 287,000 |
| Securities available for sale | 3,609,000 | 4,790,000 | 6,931,000 | 6,560,000 |
| Securities held to maturity | 731,000 | 731,000 | 731,000 | 721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,035,000 | 27,549,000 | 30,195,000 | 29,175,000 |
| Interest-bearing deposits | 22,348,000 | 23,285,000 | 24,086,000 | 24,315,000 |
| Noninterest-bearing deposits | 3,687,000 | 4,264,000 | 6,109,000 | 4,860,000 |
| Equity capital | 2,524,000 | 2,532,000 | 2,510,000 | 2,516,000 |
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 | 381,000 | 771,000 | 1,181,000 | 1,647,000 |
| Interest expense | 131,000 | 259,000 | 384,000 | 502,000 |
| Net interest income | 250,000 | 512,000 | 797,000 | 1,145,000 |
| Noninterest income | 26,000 | 54,000 | 109,000 | 147,000 |
| Noninterest expense | 251,000 | 524,000 | 810,000 | 1,104,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 44,000 | 98,000 | 190,000 |
| Income tax | 3,000 | 5,000 | 18,000 | 48,000 |
| Net income | 22,000 | 39,000 | 80,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,519,000 | 2,536,000 | 2,576,000 | 2,626,000 |
| Total capital | 2,753,000 | 2,769,000 | 2,824,000 | 2,857,000 |
| Risk-weighted assets | 18,641,000 | 18,595,000 | 19,046,000 | 18,409,000 |