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 | 222,704,000 | 222,129,000 | 216,481,000 | 215,377,000 |
| Total loans | 109,661,000 | 114,926,000 | 118,778,000 | 119,008,000 |
| Allowance for loan losses | 1,111,000 | 1,084,000 | 1,108,000 | 1,133,000 |
| Securities available for sale | 90,998,000 | 86,426,000 | 80,413,000 | 77,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,709,000 | 186,645,000 | 182,109,000 | 181,378,000 |
| Interest-bearing deposits | 157,843,000 | 156,027,000 | 151,945,000 | 151,894,000 |
| Noninterest-bearing deposits | 29,866,000 | 30,618,000 | 30,164,000 | 29,484,000 |
| Equity capital | 21,598,000 | 22,536,000 | 22,209,000 | 22,664,000 |
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 | 3,155,000 | 6,257,000 | 9,206,000 | 12,160,000 |
| Interest expense | 1,070,000 | 2,084,000 | 2,988,000 | 3,844,000 |
| Net interest income | 2,085,000 | 4,173,000 | 6,218,000 | 8,316,000 |
| Noninterest income | 362,000 | 758,000 | 1,227,000 | 1,670,000 |
| Noninterest expense | 1,485,000 | 2,850,000 | 4,348,000 | 5,629,000 |
| Provision for loan losses | 125,000 | 255,000 | 385,000 | 592,000 |
| Pretax income | 837,000 | 1,826,000 | 2,745,000 | 4,010,000 |
| Income tax | 264,000 | 511,000 | 795,000 | 935,000 |
| Net income | 573,000 | 1,315,000 | 1,950,000 | 3,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,946,000 | 18,718,000 | 19,446,000 | 20,011,000 |
| Total capital | 19,057,000 | 19,802,000 | 20,554,000 | 21,144,000 |
| Risk-weighted assets | 117,533,000 | 122,193,000 | 124,636,000 | 124,514,000 |
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