Call reports 2003
FIRST NATIONAL BANK AMES, IOWA — 2003
What FIRST NATIONAL BANK AMES, IOWA 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 | 418,153,000 | 405,266,000 | 373,417,000 | 381,086,000 |
| Total loans | 176,322,000 | 178,640,000 | 172,971,000 | 179,057,000 |
| Allowance for loan losses | 3,039,000 | 3,050,000 | 3,028,000 | 3,106,000 |
| Securities available for sale | 108,006,000 | 110,144,000 | 120,304,000 | 134,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,304,000 | 324,459,000 | 306,384,000 | 328,491,000 |
| Interest-bearing deposits | 269,090,000 | 279,719,000 | 257,016,000 | 275,623,000 |
| Noninterest-bearing deposits | 45,214,000 | 44,740,000 | 49,368,000 | 52,868,000 |
| Equity capital | 39,272,000 | 40,947,000 | 39,944,000 | 40,031,000 |
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 | 4,360,000 | 8,815,000 | 13,099,000 | 17,316,000 |
| Interest expense | 1,172,000 | 2,370,000 | 3,375,000 | 4,355,000 |
| Net interest income | 3,188,000 | 6,445,000 | 9,724,000 | 12,961,000 |
| Noninterest income | 833,000 | 1,685,000 | 2,591,000 | 3,341,000 |
| Noninterest expense | 1,624,000 | 3,423,000 | 5,136,000 | 7,032,000 |
| Provision for loan losses | -68,000 | -68,000 | -68,000 | 14,000 |
| Pretax income | 2,465,000 | 4,776,000 | 7,248,000 | 9,353,000 |
| Income tax | 743,000 | 1,402,000 | 2,102,000 | 2,732,000 |
| Net income | 1,722,000 | 3,374,000 | 5,146,000 | 6,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,198,000 | 36,626,000 | 37,175,000 | 37,354,000 |
| Total capital | 39,237,000 | 39,676,000 | 40,182,000 | 40,460,000 |
| Risk-weighted assets | 248,110,000 | 246,615,000 | 240,517,000 | 253,300,000 |
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