Call reports 2003
FIRST NATIONAL BANK OF CLINTON — 2003
What FIRST NATIONAL BANK OF CLINTON 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 | 68,902,000 | 68,545,000 | 71,921,000 | 74,170,000 |
| Total loans | 43,332,000 | 45,206,000 | 47,601,000 | 51,780,000 |
| Allowance for loan losses | 437,000 | 455,000 | 466,000 | 499,000 |
| Securities available for sale | 6,653,000 | 7,699,000 | 6,958,000 | 6,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,666,000 | 62,067,000 | 65,393,000 | 67,583,000 |
| Interest-bearing deposits | 58,823,000 | 58,325,000 | 59,846,000 | 62,862,000 |
| Noninterest-bearing deposits | 3,843,000 | 3,742,000 | 5,547,000 | 4,721,000 |
| Equity capital | 5,746,000 | 5,906,000 | 5,886,000 | 5,947,000 |
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 | 895,000 | 1,799,000 | 2,732,000 | 3,662,000 |
| Interest expense | 283,000 | 546,000 | 793,000 | 1,026,000 |
| Net interest income | 612,000 | 1,253,000 | 1,939,000 | 2,636,000 |
| Noninterest income | 104,000 | 214,000 | 320,000 | 431,000 |
| Noninterest expense | 475,000 | 996,000 | 1,562,000 | 2,150,000 |
| Provision for loan losses | 16,000 | 32,000 | 43,000 | 79,000 |
| Pretax income | 225,000 | 439,000 | 654,000 | 838,000 |
| Income tax | -7,000 | -7,000 | -7,000 | -7,000 |
| Net income | 232,000 | 446,000 | 661,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,627,000 | 5,716,000 | 5,805,000 | 5,864,000 |
| Total capital | 6,064,000 | 6,171,000 | 6,271,000 | 6,363,000 |
| Risk-weighted assets | 49,972,000 | 48,934,000 | 52,909,000 | 58,191,000 |
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