Call reports 2003
FIRST NATIONAL BANK IN CRESTON, THE — 2003
What FIRST NATIONAL BANK IN CRESTON, THE 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 | 150,750,000 | 148,258,000 | 147,028,000 | 151,013,000 |
| Total loans | 98,146,000 | 98,068,000 | 105,035,000 | 102,900,000 |
| Allowance for loan losses | 1,073,000 | 1,098,000 | 1,172,000 | 1,198,000 |
| Securities available for sale | 25,330,000 | 33,443,000 | 30,709,000 | 36,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,134,000 | 132,074,000 | 130,340,000 | 136,749,000 |
| Interest-bearing deposits | 122,288,000 | 121,792,000 | 120,698,000 | 126,453,000 |
| Noninterest-bearing deposits | 10,846,000 | 10,282,000 | 9,642,000 | 10,296,000 |
| Equity capital | 12,689,000 | 13,447,000 | 13,893,000 | 12,641,000 |
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 | 2,127,000 | 4,220,000 | 6,313,000 | 8,392,000 |
| Interest expense | 875,000 | 1,720,000 | 2,489,000 | 3,230,000 |
| Net interest income | 1,252,000 | 2,500,000 | 3,824,000 | 5,162,000 |
| Noninterest income | 417,000 | 876,000 | 1,336,000 | 1,753,000 |
| Noninterest expense | 1,081,000 | 2,099,000 | 3,168,000 | 4,028,000 |
| Provision for loan losses | 15,000 | 33,000 | 107,000 | 178,000 |
| Pretax income | 573,000 | 1,244,000 | 1,885,000 | 2,784,000 |
| Income tax | 412,000 | 445,000 | 477,000 | 523,000 |
| Net income | 161,000 | 799,000 | 1,408,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,197,000 | 12,846,000 | 13,466,000 | 12,330,000 |
| Total capital | 13,270,000 | 13,944,000 | 14,638,000 | 13,528,000 |
| Risk-weighted assets | 103,719,000 | 104,275,000 | 108,783,000 | 107,828,000 |
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