Call reports 2003
BANK 1ST — 2003
What BANK 1ST 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 | 86,607,000 | 84,660,000 | 84,123,000 | 81,992,000 |
| Total loans | 55,361,000 | 55,693,000 | 53,768,000 | 51,739,000 |
| Allowance for loan losses | 631,000 | 666,000 | 832,000 | 764,000 |
| Securities available for sale | 17,410,000 | 10,856,000 | 11,792,000 | 16,081,000 |
| Securities held to maturity | 1,471,000 | 1,116,000 | 1,324,000 | 971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,355,000 | 76,307,000 | 75,989,000 | 73,979,000 |
| Interest-bearing deposits | 69,596,000 | 68,060,000 | 67,424,000 | 64,788,000 |
| Noninterest-bearing deposits | 8,759,000 | 8,247,000 | 8,565,000 | 9,191,000 |
| Equity capital | 7,856,000 | 7,969,000 | 7,711,000 | 7,800,000 |
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 | 1,249,000 | 2,555,000 | 3,648,000 | 4,738,000 |
| Interest expense | 483,000 | 926,000 | 1,309,000 | 1,679,000 |
| Net interest income | 766,000 | 1,629,000 | 2,339,000 | 3,059,000 |
| Noninterest income | 168,000 | 297,000 | 427,000 | 537,000 |
| Noninterest expense | 612,000 | 1,183,000 | 1,774,000 | 2,294,000 |
| Provision for loan losses | 0 | 36,000 | 260,000 | 190,000 |
| Pretax income | 322,000 | 707,000 | 732,000 | 1,112,000 |
| Income tax | 16,000 | 36,000 | 37,000 | 56,000 |
| Net income | 306,000 | 671,000 | 695,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,504,000 | 7,663,000 | 7,480,000 | 7,635,000 |
| Total capital | 8,135,000 | 8,329,000 | 8,154,000 | 8,264,000 |
| Risk-weighted assets | 57,433,000 | 56,144,000 | 52,989,000 | 50,154,000 |