Call reports 2003
FIRST BANK AND TRUST — 2003
What FIRST BANK AND TRUST 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 | 68,954,000 | 65,576,000 | 74,176,000 | 66,102,000 |
| Total loans | 45,890,000 | 44,553,000 | 44,920,000 | 46,715,000 |
| Allowance for loan losses | 476,000 | 499,000 | 504,000 | 559,000 |
| Securities available for sale | 13,248,000 | 10,279,000 | 12,178,000 | 10,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,180,000 | 58,688,000 | 67,096,000 | 59,535,000 |
| Interest-bearing deposits | 54,718,000 | 50,542,000 | 58,202,000 | 50,353,000 |
| Noninterest-bearing deposits | 7,462,000 | 8,146,000 | 8,894,000 | 9,182,000 |
| Equity capital | 6,429,000 | 6,636,000 | 6,777,000 | 6,508,000 |
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 | 912,000 | 1,795,000 | 2,661,000 | 3,459,000 |
| Interest expense | 218,000 | 425,000 | 592,000 | 737,000 |
| Net interest income | 694,000 | 1,370,000 | 2,069,000 | 2,722,000 |
| Noninterest income | 110,000 | 220,000 | 325,000 | 394,000 |
| Noninterest expense | 456,000 | 920,000 | 1,366,000 | 1,828,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 84,000 |
| Pretax income | 348,000 | 661,000 | 1,019,000 | 1,204,000 |
| Income tax | 16,000 | 34,000 | 52,000 | 37,000 |
| Net income | 332,000 | 627,000 | 967,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,137,000 | 6,312,000 | 6,531,000 | 6,310,000 |
| Total capital | 6,613,000 | 6,811,000 | 7,035,000 | 6,869,000 |
| Risk-weighted assets | 43,327,000 | 42,258,000 | 44,433,000 | 43,933,000 |