Call reports 2003
FIRST NATIONAL BANK OF IZARD COUNTY — 2003
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 110,058,000 | 111,648,000 | 111,225,000 | 111,865,000 |
| Total loans | 59,303,000 | 59,609,000 | 60,323,000 | 60,853,000 |
| Allowance for loan losses | 779,000 | 776,000 | 770,000 | 722,000 |
| Securities available for sale | 11,426,000 | 13,007,000 | 16,485,000 | 16,842,000 |
| Securities held to maturity | 11,488,000 | 11,245,000 | 11,292,000 | 11,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,156,000 | 85,305,000 | 84,527,000 | 84,809,000 |
| Interest-bearing deposits | 71,206,000 | 71,513,000 | 70,193,000 | 70,448,000 |
| Noninterest-bearing deposits | 12,950,000 | 13,793,000 | 14,334,000 | 14,361,000 |
| Equity capital | 25,454,000 | 26,055,000 | 26,410,000 | 26,617,000 |
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 | 1,489,000 | 2,941,000 | 4,399,000 | 5,874,000 |
| Interest expense | 367,000 | 702,000 | 1,015,000 | 1,311,000 |
| Net interest income | 1,122,000 | 2,239,000 | 3,384,000 | 4,563,000 |
| Noninterest income | 268,000 | 531,000 | 811,000 | 1,086,000 |
| Noninterest expense | 620,000 | 1,214,000 | 1,855,000 | 2,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 770,000 | 1,556,000 | 2,340,000 | 2,777,000 |
| Income tax | 170,000 | 350,000 | 530,000 | 690,000 |
| Net income | 600,000 | 1,206,000 | 1,810,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,411,000 | 26,018,000 | 26,622,000 | 26,789,000 |
| Total capital | 26,190,000 | 26,795,000 | 27,392,000 | 27,511,000 |
| Risk-weighted assets | 66,745,000 | 67,115,000 | 67,631,000 | 67,983,000 |