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 | 242,851,000 | 257,214,000 | 261,635,000 | 272,160,000 |
| Total loans | 123,518,000 | 125,016,000 | 128,688,000 | 133,677,000 |
| Allowance for loan losses | 1,109,000 | 1,125,000 | 1,987,000 | 2,006,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 61,511,000 | 51,509,000 | 54,707,000 | 67,301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,611,000 | 237,337,000 | 243,258,000 | 253,943,000 |
| Interest-bearing deposits | 193,041,000 | 205,184,000 | 211,963,000 | 222,416,000 |
| Noninterest-bearing deposits | 30,570,000 | 32,153,000 | 31,295,000 | 31,527,000 |
| Equity capital | 17,386,000 | 17,695,000 | 17,320,000 | 17,531,000 |
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 | 3,218,000 | 6,310,000 | 9,320,000 | 12,306,000 |
| Interest expense | 1,297,000 | 2,590,000 | 3,883,000 | 5,159,000 |
| Net interest income | 1,921,000 | 3,720,000 | 5,437,000 | 7,147,000 |
| Noninterest income | 190,000 | 370,000 | 561,000 | 822,000 |
| Noninterest expense | 1,100,000 | 2,206,000 | 3,341,000 | 4,519,000 |
| Provision for loan losses | 18,000 | 36,000 | 991,000 | 1,009,000 |
| Pretax income | 993,000 | 1,848,000 | 1,666,000 | 2,441,000 |
| Income tax | 300,000 | 560,000 | 465,000 | 706,000 |
| Net income | 693,000 | 1,288,000 | 1,201,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,386,000 | 17,695,000 | 17,320,000 | 17,531,000 |
| Total capital | 18,495,000 | 18,820,000 | 19,137,000 | 19,418,000 |
| Risk-weighted assets | 137,396,000 | 140,886,000 | 145,182,000 | 150,835,000 |
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