Call reports 2003
FIRST NATIONAL BANK & TRUST CO. IN LARNED — 2003
What FIRST NATIONAL BANK & TRUST CO. IN LARNED 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 | 70,555,000 | 72,404,000 | 68,925,000 | 70,657,000 |
| Total loans | 40,699,000 | 40,439,000 | 37,917,000 | 38,183,000 |
| Allowance for loan losses | 585,000 | 672,000 | 698,000 | 796,000 |
| Securities available for sale | 14,500,000 | 16,858,000 | 15,418,000 | 16,470,000 |
| Securities held to maturity | 6,752,000 | 5,297,000 | 6,683,000 | 6,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,272,000 | 60,289,000 | 57,534,000 | 60,177,000 |
| Interest-bearing deposits | 49,554,000 | 51,953,000 | 49,448,000 | 49,616,000 |
| Noninterest-bearing deposits | 8,718,000 | 8,336,000 | 8,086,000 | 10,561,000 |
| Equity capital | 6,412,000 | 6,336,000 | 5,972,000 | 5,679,000 |
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 | 961,000 | 1,885,000 | 2,687,000 | 3,539,000 |
| Interest expense | 330,000 | 641,000 | 944,000 | 1,223,000 |
| Net interest income | 631,000 | 1,244,000 | 1,743,000 | 2,316,000 |
| Noninterest income | 78,000 | 142,000 | 204,000 | 296,000 |
| Noninterest expense | 554,000 | 1,129,000 | 1,798,000 | 2,460,000 |
| Provision for loan losses | 0 | 50,000 | 300,000 | 700,000 |
| Pretax income | 155,000 | 207,000 | -151,000 | -548,000 |
| Income tax | 54,000 | 71,000 | 0 | -197,000 |
| Net income | 101,000 | 136,000 | -151,000 | -351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,994,000 | 5,936,000 | 5,655,000 | 5,337,000 |
| Total capital | 6,579,000 | 6,532,000 | 6,220,000 | 5,906,000 |
| Risk-weighted assets | 47,412,000 | 47,619,000 | 45,047,000 | 45,267,000 |