Call reports 2003
FIRST NATIONAL BANK OF DECATUR, THE — 2003
What FIRST NATIONAL BANK OF DECATUR, THE 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 | 437,961,000 | 435,323,000 | 427,763,000 | 429,250,000 |
| Total loans | 244,610,000 | 244,935,000 | 250,435,000 | 255,621,000 |
| Allowance for loan losses | 3,817,000 | 3,813,000 | 3,819,000 | 3,823,000 |
| Securities available for sale | 96,478,000 | 104,254,000 | 98,867,000 | 96,107,000 |
| Securities held to maturity | 24,100,000 | 34,867,000 | 33,655,000 | 31,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,754,000 | 336,437,000 | 339,172,000 | 340,582,000 |
| Interest-bearing deposits | 308,753,000 | 319,827,000 | 327,713,000 | 298,276,000 |
| Noninterest-bearing deposits | 24,001,000 | 16,610,000 | 11,459,000 | 42,306,000 |
| Equity capital | 46,732,000 | 46,905,000 | 33,175,000 | 32,896,000 |
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 | 5,549,000 | 10,960,000 | 16,253,000 | 21,348,000 |
| Interest expense | 1,927,000 | 3,701,000 | 5,337,000 | 6,980,000 |
| Net interest income | 3,622,000 | 7,259,000 | 10,916,000 | 14,368,000 |
| Noninterest income | 1,271,000 | 2,455,000 | 3,738,000 | 5,127,000 |
| Noninterest expense | 2,518,000 | 4,989,000 | 7,546,000 | 10,039,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,255,000 | 4,485,000 | 6,748,000 | 8,976,000 |
| Income tax | 761,000 | 1,511,000 | 2,289,000 | 3,079,000 |
| Net income | 1,494,000 | 2,974,000 | 4,459,000 | 5,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,656,000 | 44,640,000 | 31,726,000 | 31,670,000 |
| Total capital | 48,088,000 | 48,105,000 | 35,349,000 | 35,333,000 |
| Risk-weighted assets | 274,186,000 | 276,827,000 | 289,650,000 | 292,876,000 |