Call reports 2003
FIRST NATIONAL BANK — 2003
What FIRST NATIONAL 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 | 152,899,000 | 162,154,000 | 165,750,000 | 176,995,000 |
| Total loans | 114,604,000 | 119,794,000 | 128,111,000 | 136,213,000 |
| Allowance for loan losses | 1,073,000 | 1,106,000 | 1,196,000 | 1,253,000 |
| Securities available for sale | 22,136,000 | 19,333,000 | 20,924,000 | 26,796,000 |
| Securities held to maturity | 6,687,000 | 6,566,000 | 6,564,000 | 4,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,897,000 | 141,464,000 | 144,216,000 | 148,392,000 |
| Interest-bearing deposits | 118,546,000 | 124,225,000 | 126,110,000 | 130,570,000 |
| Noninterest-bearing deposits | 15,351,000 | 17,239,000 | 18,106,000 | 17,822,000 |
| Equity capital | 11,704,000 | 12,068,000 | 12,247,000 | 12,433,000 |
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 | 2,081,000 | 4,196,000 | 6,447,000 | 8,679,000 |
| Interest expense | 598,000 | 1,167,000 | 1,739,000 | 2,315,000 |
| Net interest income | 1,483,000 | 3,029,000 | 4,708,000 | 6,364,000 |
| Noninterest income | 281,000 | 554,000 | 825,000 | 1,051,000 |
| Noninterest expense | 1,132,000 | 2,247,000 | 3,365,000 | 4,579,000 |
| Provision for loan losses | 90,000 | 175,000 | 340,000 | 460,000 |
| Pretax income | 544,000 | 1,171,000 | 1,838,000 | 2,386,000 |
| Income tax | 185,000 | 403,000 | 624,000 | 810,000 |
| Net income | 359,000 | 768,000 | 1,214,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,649,000 | 11,930,000 | 12,248,000 | 12,461,000 |
| Total capital | 12,722,000 | 13,036,000 | 13,444,000 | 13,714,000 |
| Risk-weighted assets | 105,902,000 | 109,247,000 | 113,830,000 | 121,815,000 |