Call reports 2003
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2003
What FIRST NATIONAL BANK AND TRUST COMPANY, THE 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 | 489,232,000 | 498,694,000 | 501,458,000 | 540,159,000 |
| Total loans | 307,223,000 | 339,341,000 | 343,701,000 | 349,269,000 |
| Allowance for loan losses | 4,017,000 | 4,170,000 | 4,232,000 | 4,462,000 |
| Securities available for sale | 67,649,000 | 40,582,000 | 38,174,000 | 50,606,000 |
| Securities held to maturity | 66,162,000 | 70,497,000 | 70,023,000 | 67,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,619,000 | 421,229,000 | 421,121,000 | 461,413,000 |
| Interest-bearing deposits | 362,650,000 | 360,237,000 | 371,176,000 | 396,381,000 |
| Noninterest-bearing deposits | 53,969,000 | 60,992,000 | 49,945,000 | 65,032,000 |
| Equity capital | 43,489,000 | 44,696,000 | 45,461,000 | 45,904,000 |
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 | 6,222,000 | 12,724,000 | 18,599,000 | 24,926,000 |
| Interest expense | 1,925,000 | 3,968,000 | 5,995,000 | 8,015,000 |
| Net interest income | 4,297,000 | 8,756,000 | 12,604,000 | 16,911,000 |
| Noninterest income | 1,134,000 | 2,496,000 | 4,221,000 | 5,680,000 |
| Noninterest expense | 3,737,000 | 8,099,000 | 11,913,000 | 15,972,000 |
| Provision for loan losses | 168,000 | 342,000 | 516,000 | 790,000 |
| Pretax income | 1,540,000 | 2,922,000 | 4,573,000 | 6,007,000 |
| Income tax | 390,000 | 685,000 | 1,091,000 | 1,411,000 |
| Net income | 1,150,000 | 2,237,000 | 3,482,000 | 4,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,979,000 | 32,307,000 | 33,487,000 | 34,103,000 |
| Total capital | 34,996,000 | 36,477,000 | 37,719,000 | 38,565,000 |
| Risk-weighted assets | 342,305,000 | 354,711,000 | 363,638,000 | 373,458,000 |