Call reports 2003
FIRST NATIONAL BANK — 2003
What FIRST NATIONAL 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 | 295,596,000 | 291,361,000 | 292,582,000 | 288,892,000 |
| Total loans | 167,564,000 | 169,479,000 | 172,278,000 | 175,230,000 |
| Allowance for loan losses | 3,066,000 | 2,834,000 | 2,843,000 | 2,816,000 |
| Securities available for sale | 100,389,000 | 103,502,000 | 97,775,000 | 93,098,000 |
| Securities held to maturity | 22,000 | 22,000 | 21,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,705,000 | 246,433,000 | 252,367,000 | 248,341,000 |
| Interest-bearing deposits | 223,279,000 | 211,006,000 | 205,977,000 | 214,388,000 |
| Noninterest-bearing deposits | 31,427,000 | 35,427,000 | 46,390,000 | 33,953,000 |
| Equity capital | 39,973,000 | 40,356,000 | 39,253,000 | 38,970,000 |
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 | 3,659,000 | 7,116,000 | 10,435,000 | 14,106,000 |
| Interest expense | 1,118,000 | 2,316,000 | 3,339,000 | 4,288,000 |
| Net interest income | 2,541,000 | 4,800,000 | 7,096,000 | 9,818,000 |
| Noninterest income | 253,000 | 691,000 | 1,226,000 | 1,720,000 |
| Noninterest expense | 1,971,000 | 4,140,000 | 6,389,000 | 8,981,000 |
| Provision for loan losses | 152,000 | 225,000 | 300,000 | 375,000 |
| Pretax income | 671,000 | 1,126,000 | 1,607,000 | 2,312,000 |
| Income tax | 285,000 | 359,000 | 465,000 | 751,000 |
| Net income | 386,000 | 767,000 | 1,142,000 | 1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,335,000 | 39,388,000 | 38,947,000 | 38,798,000 |
| Total capital | 41,699,000 | 41,787,000 | 41,321,000 | 41,232,000 |
| Risk-weighted assets | 188,463,000 | 192,006,000 | 189,466,000 | 194,325,000 |
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