Call reports 2003
FIRST AMERICAN BANK AND TRUST — 2003
What FIRST AMERICAN 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 | 440,998,000 | 435,325,000 | 432,406,000 | 436,689,000 |
| Total loans | 260,087,000 | 258,664,000 | 266,279,000 | 266,127,000 |
| Allowance for loan losses | 3,631,000 | 3,716,000 | 3,800,000 | 3,869,000 |
| Securities available for sale | 131,342,000 | 129,546,000 | 117,219,000 | 120,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,400,000 | 389,538,000 | 386,621,000 | 391,175,000 |
| Interest-bearing deposits | 314,393,000 | 309,190,000 | 306,151,000 | 305,583,000 |
| Noninterest-bearing deposits | 82,007,000 | 80,348,000 | 80,470,000 | 85,592,000 |
| Equity capital | 40,551,000 | 41,573,000 | 41,249,000 | 41,801,000 |
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 | 5,743,000 | 11,398,000 | 16,894,000 | 22,453,000 |
| Interest expense | 1,258,000 | 2,356,000 | 3,380,000 | 4,278,000 |
| Net interest income | 4,485,000 | 9,042,000 | 13,514,000 | 18,175,000 |
| Noninterest income | 2,022,000 | 3,994,000 | 6,191,000 | 8,238,000 |
| Noninterest expense | 3,825,000 | 7,906,000 | 12,175,000 | 16,775,000 |
| Provision for loan losses | 250,000 | 550,000 | 850,000 | 1,150,000 |
| Pretax income | 2,448,000 | 4,594,000 | 6,695,000 | 8,503,000 |
| Income tax | 811,000 | 1,548,000 | 2,269,000 | 2,900,000 |
| Net income | 1,637,000 | 3,046,000 | 4,426,000 | 5,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,317,000 | 38,173,000 | 39,000,000 | 39,667,000 |
| Total capital | 40,584,000 | 41,419,000 | 42,309,000 | 43,028,000 |
| Risk-weighted assets | 261,002,000 | 259,178,000 | 264,227,000 | 268,383,000 |