Call reports 2003
FIRST NATIONAL BANK IN FRANKFORT — 2003
What FIRST NATIONAL BANK IN FRANKFORT 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 | 27,799,000 | 28,111,000 | 28,629,000 | 29,310,000 |
| Total loans | 14,874,000 | 15,012,000 | 15,211,000 | 15,046,000 |
| Allowance for loan losses | 179,000 | 185,000 | 192,000 | 189,000 |
| Securities available for sale | 10,156,000 | 10,294,000 | 10,673,000 | 11,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,691,000 | 20,800,000 | 21,396,000 | 22,169,000 |
| Interest-bearing deposits | 17,609,000 | 17,863,000 | 18,378,000 | 18,887,000 |
| Noninterest-bearing deposits | 3,082,000 | 2,937,000 | 3,018,000 | 3,282,000 |
| Equity capital | 3,233,000 | 3,321,000 | 3,236,000 | 3,207,000 |
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 | 357,000 | 709,000 | 1,055,000 | 1,414,000 |
| Interest expense | 147,000 | 281,000 | 409,000 | 531,000 |
| Net interest income | 210,000 | 428,000 | 646,000 | 883,000 |
| Noninterest income | 34,000 | 62,000 | 93,000 | 119,000 |
| Noninterest expense | 175,000 | 368,000 | 561,000 | 765,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 66,000 | 113,000 | 167,000 | 245,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 9,000 |
| Net income | 64,000 | 109,000 | 161,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,984,000 | 3,007,000 | 3,048,000 | 3,110,000 |
| Total capital | 3,163,000 | 3,192,000 | 3,240,000 | 3,299,000 |
| Risk-weighted assets | 18,272,000 | 18,808,000 | 19,401,000 | 19,516,000 |
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