Call reports 2003
FIRST BANK & TRUST — 2003
What FIRST BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Total assets | 37,306,000 | 42,101,000 |
| Total loans | 33,365,000 | 39,420,000 |
| Allowance for loan losses | 335,000 | 385,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 27,730,000 | 31,770,000 |
| Interest-bearing deposits | 23,363,000 | 27,255,000 |
| Noninterest-bearing deposits | 4,367,000 | 4,515,000 |
| Equity capital | 4,740,000 | 4,783,000 |
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 |
|---|---|---|
| Interest income | 606,000 | 1,310,000 |
| Interest expense | 213,000 | 450,000 |
| Net interest income | 393,000 | 860,000 |
| Noninterest income | 21,000 | 49,000 |
| Noninterest expense | 344,000 | 722,000 |
| Provision for loan losses | 38,000 | 93,000 |
| Pretax income | 32,000 | 94,000 |
| Income tax | 12,000 | 31,000 |
| Net income | 20,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 4,740,000 | 4,783,000 |
| Total capital | 5,075,000 | 5,168,000 |
| Risk-weighted assets | 32,234,000 | 37,506,000 |