Call reports 2003
OKEY-VERNON FIRST NATIONAL BANK — 2003
What OKEY-VERNON FIRST 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 | 45,218,000 | 44,060,000 | 45,211,000 | 44,691,000 |
| Total loans | 14,129,000 | 14,911,000 | 15,671,000 | 15,459,000 |
| Allowance for loan losses | 190,000 | 200,000 | 210,000 | 234,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,926,000 | 25,239,000 | 24,076,000 | 26,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,242,000 | 37,158,000 | 38,274,000 | 37,975,000 |
| Interest-bearing deposits | 32,996,000 | 31,567,000 | 33,744,000 | 32,943,000 |
| Noninterest-bearing deposits | 5,246,000 | 5,591,000 | 4,530,000 | 5,032,000 |
| Equity capital | 5,933,000 | 5,851,000 | 5,915,000 | 5,739,000 |
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 | 493,000 | 984,000 | 1,425,000 | 1,906,000 |
| Interest expense | 120,000 | 234,000 | 336,000 | 435,000 |
| Net interest income | 373,000 | 750,000 | 1,089,000 | 1,471,000 |
| Noninterest income | 48,000 | 87,000 | 129,000 | 170,000 |
| Noninterest expense | 297,000 | 618,000 | 920,000 | 1,243,000 |
| Provision for loan losses | 9,000 | 19,000 | 29,000 | 53,000 |
| Pretax income | 115,000 | 200,000 | 269,000 | 345,000 |
| Income tax | 8,000 | 5,000 | 10,000 | 17,000 |
| Net income | 107,000 | 195,000 | 259,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,933,000 | 5,851,000 | 5,915,000 | 5,739,000 |
| Total capital | 6,123,000 | 6,051,000 | 6,125,000 | 5,973,000 |
| Risk-weighted assets | 18,992,000 | 19,435,000 | 20,450,000 | 20,500,000 |