Call reports 2003
FIRST NATIONAL BANK AND TRUST — 2003
What FIRST NATIONAL BANK AND TRUST 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 | 48,208,000 | 49,381,000 | 46,523,000 | 50,177,000 |
| Total loans | 29,762,000 | 29,309,000 | 27,953,000 | 29,314,000 |
| Allowance for loan losses | 493,000 | 613,000 | 622,000 | 543,000 |
| Securities available for sale | 14,021,000 | 14,973,000 | 15,391,000 | 17,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,385,000 | 38,689,000 | 36,360,000 | 38,331,000 |
| Interest-bearing deposits | 34,099,000 | 35,213,000 | 32,580,000 | 34,347,000 |
| Noninterest-bearing deposits | 3,286,000 | 3,476,000 | 3,780,000 | 3,984,000 |
| Equity capital | 6,963,000 | 6,829,000 | 6,798,000 | 6,451,000 |
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 | 780,000 | 1,511,000 | 2,197,000 | 2,880,000 |
| Interest expense | 235,000 | 436,000 | 613,000 | 777,000 |
| Net interest income | 545,000 | 1,075,000 | 1,584,000 | 2,103,000 |
| Noninterest income | 66,000 | 131,000 | 200,000 | 279,000 |
| Noninterest expense | 344,000 | 689,000 | 1,016,000 | 1,460,000 |
| Provision for loan losses | 62,000 | 86,000 | 94,000 | 94,000 |
| Pretax income | 217,000 | 443,000 | 724,000 | 876,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 443,000 | 724,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,531,000 | 6,364,000 | 6,558,000 | 6,272,000 |
| Total capital | 6,956,000 | 6,790,000 | 6,966,000 | 6,703,000 |
| Risk-weighted assets | 33,919,000 | 33,889,000 | 32,449,000 | 34,425,000 |