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 | 94,850,000 | 91,899,000 | 92,438,000 | 96,184,000 |
| Total loans | 61,151,000 | 60,324,000 | 60,970,000 | 59,101,000 |
| Allowance for loan losses | 987,000 | 1,009,000 | 1,011,000 | 924,000 |
| Securities available for sale | 7,879,000 | 8,033,000 | 7,795,000 | 7,725,000 |
| Securities held to maturity | 11,749,000 | 12,210,000 | 13,888,000 | 19,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,711,000 | 76,278,000 | 77,090,000 | 78,657,000 |
| Interest-bearing deposits | 61,021,000 | 59,211,000 | 59,202,000 | 60,385,000 |
| Noninterest-bearing deposits | 17,690,000 | 17,067,000 | 17,888,000 | 18,272,000 |
| Equity capital | 14,813,000 | 14,599,000 | 14,550,000 | 14,577,000 |
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 | 1,269,000 | 2,471,000 | 3,647,000 | 4,824,000 |
| Interest expense | 309,000 | 602,000 | 852,000 | 1,055,000 |
| Net interest income | 960,000 | 1,869,000 | 2,795,000 | 3,769,000 |
| Noninterest income | 311,000 | 611,000 | 916,000 | 1,221,000 |
| Noninterest expense | 818,000 | 1,650,000 | 2,500,000 | 3,470,000 |
| Provision for loan losses | 23,000 | 45,000 | 53,000 | 75,000 |
| Pretax income | 434,000 | 944,000 | 1,317,000 | 1,604,000 |
| Income tax | 33,000 | 71,000 | 100,000 | 124,000 |
| Net income | 401,000 | 873,000 | 1,217,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,541,000 | 14,339,000 | 14,344,000 | 14,439,000 |
| Total capital | 15,343,000 | 15,133,000 | 15,145,000 | 15,234,000 |
| Risk-weighted assets | 64,002,000 | 63,273,000 | 63,880,000 | 63,456,000 |