Call reports 2003
FIRST NATIONAL BANK — 2003
What 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 | 66,737,000 | 67,244,000 | 65,115,000 | 64,973,000 |
| Total loans | 53,443,000 | 53,432,000 | 52,403,000 | 52,334,000 |
| Allowance for loan losses | 660,000 | 603,000 | 537,000 | 587,000 |
| Securities available for sale | 4,565,000 | 3,946,000 | 2,914,000 | 2,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,754,000 | 55,078,000 | 53,282,000 | 53,642,000 |
| Interest-bearing deposits | 46,582,000 | 46,363,000 | 44,371,000 | 44,433,000 |
| Noninterest-bearing deposits | 8,172,000 | 8,715,000 | 8,911,000 | 9,209,000 |
| Equity capital | 5,212,000 | 5,576,000 | 5,232,000 | 4,868,000 |
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 | 1,209,000 | 2,429,000 | 3,619,000 | 4,792,000 |
| Interest expense | 284,000 | 552,000 | 795,000 | 1,016,000 |
| Net interest income | 925,000 | 1,877,000 | 2,824,000 | 3,776,000 |
| Noninterest income | 142,000 | 292,000 | 435,000 | 562,000 |
| Noninterest expense | 550,000 | 1,056,000 | 1,573,000 | 2,074,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 70,000 |
| Pretax income | 517,000 | 1,103,000 | 1,646,000 | 2,194,000 |
| Income tax | 189,000 | 405,000 | 606,000 | 810,000 |
| Net income | 328,000 | 698,000 | 1,040,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,072,000 | 5,443,000 | 5,135,000 | 4,779,000 |
| Total capital | 5,660,000 | 5,919,000 | 5,598,000 | 5,244,000 |
| Risk-weighted assets | 46,983,000 | 37,937,000 | 36,970,000 | 37,073,000 |
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