Call reports 2003
FIRST NATIONAL BANK OF MILLSTADT — 2003
What FIRST NATIONAL BANK OF MILLSTADT 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 | 84,238,000 | 89,059,000 | 85,898,000 | 87,826,000 |
| Total loans | 34,008,000 | 32,938,000 | 32,284,000 | 32,004,000 |
| Allowance for loan losses | 434,000 | 436,000 | 439,000 | 441,000 |
| Securities available for sale | 43,674,000 | 48,823,000 | 46,642,000 | 49,613,000 |
| Securities held to maturity | 942,000 | 940,000 | 939,000 | 513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,384,000 | 76,835,000 | 74,036,000 | 75,885,000 |
| Interest-bearing deposits | 66,035,000 | 69,650,000 | 67,576,000 | 68,471,000 |
| Noninterest-bearing deposits | 6,349,000 | 7,186,000 | 6,459,000 | 7,414,000 |
| Equity capital | 11,238,000 | 11,625,000 | 11,436,000 | 11,567,000 |
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 | 1,012,000 | 2,018,000 | 2,975,000 | 3,903,000 |
| Interest expense | 352,000 | 693,000 | 1,001,000 | 1,300,000 |
| Net interest income | 660,000 | 1,325,000 | 1,974,000 | 2,603,000 |
| Noninterest income | 107,000 | 244,000 | 347,000 | 432,000 |
| Noninterest expense | 467,000 | 965,000 | 1,452,000 | 1,900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 300,000 | 604,000 | 869,000 | 1,135,000 |
| Income tax | 101,000 | 203,000 | 292,000 | 352,000 |
| Net income | 199,000 | 401,000 | 577,000 | 783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,742,000 | 10,904,000 | 11,040,000 | 11,205,000 |
| Total capital | 11,176,000 | 11,340,000 | 11,479,000 | 11,646,000 |
| Risk-weighted assets | 35,457,000 | 36,087,000 | 35,935,000 | 36,052,000 |