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 | 35,522,000 | 34,096,000 | 34,681,000 | 39,204,000 |
| Total loans | 27,233,000 | 29,909,000 | 29,132,000 | 28,604,000 |
| Allowance for loan losses | 256,000 | 1,873,000 | 1,868,000 | 2,771,000 |
| Securities available for sale | 501,000 | 0 | 0 | 3,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,839,000 | 33,281,000 | 33,753,000 | 35,845,000 |
| Interest-bearing deposits | 27,014,000 | 27,884,000 | 28,768,000 | 30,304,000 |
| Noninterest-bearing deposits | 4,825,000 | 5,397,000 | 4,985,000 | 5,541,000 |
| Equity capital | 3,387,000 | 700,000 | 844,000 | 3,217,000 |
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 | 557,000 | 1,100,000 | 1,683,000 | 391,000 |
| Interest expense | 205,000 | 403,000 | 599,000 | 122,000 |
| Net interest income | 352,000 | 697,000 | 1,084,000 | 269,000 |
| Noninterest income | 95,000 | 173,000 | 285,000 | 34,000 |
| Noninterest expense | 360,000 | 784,000 | 1,178,000 | 1,124,000 |
| Provision for loan losses | 50,000 | 3,310,000 | 3,310,000 | 40,000 |
| Pretax income | 37,000 | -3,224,000 | -3,119,000 | -861,000 |
| Income tax | -8,000 | -583,000 | -621,000 | 5,000 |
| Net income | 45,000 | -2,641,000 | -2,498,000 | -866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,386,000 | 700,000 | 844,000 | 2,660,000 |
| Total capital | 3,642,000 | 1,081,000 | 1,211,000 | 3,038,000 |
| Risk-weighted assets | 27,295,000 | 29,000,000 | 27,882,000 | 27,855,000 |