Call reports 2003
FIRST BANK & TRUST COMPANY — 2003
What FIRST BANK & TRUST COMPANY 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 | 103,264,000 | 100,334,000 | 99,861,000 | 102,552,000 |
| Total loans | 49,026,000 | 48,405,000 | 45,159,000 | 49,125,000 |
| Allowance for loan losses | 720,000 | 699,000 | 674,000 | 711,000 |
| Securities available for sale | 44,432,000 | 44,387,000 | 42,283,000 | 46,932,000 |
| Securities held to maturity | 2,354,000 | 1,978,000 | 1,952,000 | 1,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,965,000 | 85,376,000 | 87,512,000 | 90,099,000 |
| Interest-bearing deposits | 81,055,000 | 73,654,000 | 77,565,000 | 78,677,000 |
| Noninterest-bearing deposits | 9,910,000 | 11,722,000 | 9,947,000 | 11,422,000 |
| Equity capital | 11,678,000 | 11,845,000 | 11,886,000 | 11,778,000 |
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 | 1,454,000 | 2,695,000 | 3,812,000 | 5,115,000 |
| Interest expense | 382,000 | 719,000 | 1,022,000 | 1,315,000 |
| Net interest income | 1,072,000 | 1,976,000 | 2,790,000 | 3,800,000 |
| Noninterest income | 171,000 | 367,000 | 618,000 | 797,000 |
| Noninterest expense | 661,000 | 1,322,000 | 2,014,000 | 2,764,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 507,000 | 871,000 | 1,169,000 | 1,533,000 |
| Income tax | 183,000 | 273,000 | 345,000 | 439,000 |
| Net income | 324,000 | 598,000 | 824,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,277,000 | 11,295,000 | 11,521,000 | 11,503,000 |
| Total capital | 11,997,000 | 11,994,000 | 12,195,000 | 12,214,000 |
| Risk-weighted assets | 71,457,000 | 71,677,000 | 68,379,000 | 73,168,000 |