Call reports 2003
FIRST CITY BANK — 2003
What FIRST CITY 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 | 185,734,000 | 195,044,000 | 191,740,000 | 185,717,000 |
| Total loans | 98,143,000 | 98,718,000 | 99,231,000 | 98,563,000 |
| Allowance for loan losses | 1,224,000 | 1,257,000 | 1,307,000 | 1,357,000 |
| Securities available for sale | 64,024,000 | 82,024,000 | 76,297,000 | 75,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,205,000 | 178,018,000 | 177,260,000 | 171,040,000 |
| Interest-bearing deposits | 150,520,000 | 153,685,000 | 153,241,000 | 145,967,000 |
| Noninterest-bearing deposits | 21,685,000 | 24,333,000 | 24,019,000 | 25,073,000 |
| Equity capital | 12,722,000 | 13,577,000 | 13,309,000 | 13,349,000 |
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 | 2,473,000 | 4,868,000 | 7,368,000 | 9,765,000 |
| Interest expense | 919,000 | 1,738,000 | 2,497,000 | 3,192,000 |
| Net interest income | 1,554,000 | 3,130,000 | 4,871,000 | 6,573,000 |
| Noninterest income | 56,000 | 159,000 | 251,000 | 353,000 |
| Noninterest expense | 1,111,000 | 2,259,000 | 3,359,000 | 4,635,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 523,000 | 1,427,000 | 2,300,000 | 2,785,000 |
| Income tax | 131,000 | 430,000 | 706,000 | 831,000 |
| Net income | 392,000 | 997,000 | 1,594,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,116,000 | 12,665,000 | 13,226,000 | 13,529,000 |
| Total capital | 13,346,000 | 13,933,000 | 14,538,000 | 14,889,000 |
| Risk-weighted assets | 112,120,000 | 110,920,000 | 110,813,000 | 108,619,000 |