Call reports 2003
FIRST PERSONAL BANK — 2003
What FIRST PERSONAL 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 | 95,396,000 | 94,430,000 | 104,114,000 | 106,875,000 |
| Total loans | 56,515,000 | 62,118,000 | 76,210,000 | 78,515,000 |
| Allowance for loan losses | 992,000 | 972,000 | 1,161,000 | 904,000 |
| Securities available for sale | 14,117,000 | 15,147,000 | 12,597,000 | 12,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,072,000 | 83,072,000 | 86,961,000 | 91,968,000 |
| Interest-bearing deposits | 81,042,000 | 77,979,000 | 81,627,000 | 86,615,000 |
| Noninterest-bearing deposits | 4,030,000 | 5,093,000 | 5,334,000 | 5,353,000 |
| Equity capital | 7,967,000 | 8,304,000 | 8,334,000 | 8,423,000 |
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 | 1,383,000 | 2,736,000 | 4,206,000 | 5,727,000 |
| Interest expense | 434,000 | 839,000 | 1,234,000 | 1,677,000 |
| Net interest income | 949,000 | 1,897,000 | 2,972,000 | 4,050,000 |
| Noninterest income | 238,000 | 454,000 | 575,000 | 744,000 |
| Noninterest expense | 688,000 | 1,410,000 | 2,154,000 | 2,851,000 |
| Provision for loan losses | 150,000 | 220,000 | 408,000 | 763,000 |
| Pretax income | 349,000 | 721,000 | 985,000 | 1,217,000 |
| Income tax | 119,000 | 246,000 | 336,000 | 415,000 |
| Net income | 230,000 | 475,000 | 649,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,536,000 | 7,931,000 | 7,953,000 | 8,258,000 |
| Total capital | 8,290,000 | 8,727,000 | 8,984,000 | 9,162,000 |
| Risk-weighted assets | 60,071,000 | 63,491,000 | 82,349,000 | 81,895,000 |