Call reports 2003
FIRST NATIONAL BANK OF AMERICA — 2003
What FIRST NATIONAL BANK OF AMERICA 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 | 473,815,000 | 467,596,000 | 432,801,000 | 412,768,000 |
| Total loans | 404,519,000 | 404,913,000 | 366,244,000 | 346,368,000 |
| Allowance for loan losses | 11,393,000 | 9,905,000 | 9,519,000 | 8,558,000 |
| Securities available for sale | 16,214,000 | 20,831,000 | 17,436,000 | 17,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,572,000 | 260,621,000 | 231,790,000 | 218,856,000 |
| Interest-bearing deposits | 258,923,000 | 241,467,000 | 217,436,000 | 205,588,000 |
| Noninterest-bearing deposits | 10,649,000 | 19,154,000 | 14,354,000 | 13,268,000 |
| Equity capital | 71,447,000 | 74,328,000 | 69,325,000 | 71,856,000 |
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 | 13,489,000 | 26,568,000 | 39,218,000 | 51,085,000 |
| Interest expense | 5,137,000 | 10,015,000 | 14,462,000 | 18,586,000 |
| Net interest income | 8,352,000 | 16,553,000 | 24,756,000 | 32,499,000 |
| Noninterest income | 610,000 | 1,690,000 | 3,005,000 | 4,403,000 |
| Noninterest expense | 4,686,000 | 9,333,000 | 14,113,000 | 19,253,000 |
| Provision for loan losses | 1,065,000 | 1,345,000 | 1,495,000 | 1,495,000 |
| Pretax income | 3,211,000 | 7,595,000 | 12,183,000 | 16,200,000 |
| Income tax | 1,103,000 | 2,631,000 | 4,238,000 | 5,679,000 |
| Net income | 2,108,000 | 4,964,000 | 7,945,000 | 10,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,282,000 | 74,138,000 | 69,119,000 | 71,695,000 |
| Total capital | 75,652,000 | 78,455,000 | 73,138,000 | 75,503,000 |
| Risk-weighted assets | 341,586,000 | 339,751,000 | 315,982,000 | 299,929,000 |
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