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 | 41,359,000 | 47,141,000 | 49,890,000 | 39,935,000 |
| Total loans | 30,897,000 | 41,222,000 | 40,918,000 | 33,058,000 |
| Allowance for loan losses | 427,000 | 459,000 | 461,000 | 472,000 |
| Securities available for sale | 2,222,000 | 1,618,000 | 2,304,000 | 2,806,000 |
| Securities held to maturity | 1,157,000 | 906,000 | 205,000 | 185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,843,000 | 40,711,000 | 42,938,000 | 32,214,000 |
| Interest-bearing deposits | 30,985,000 | 37,009,000 | 38,546,000 | 27,793,000 |
| Noninterest-bearing deposits | 3,858,000 | 3,702,000 | 4,392,000 | 4,421,000 |
| Equity capital | 6,075,000 | 6,151,000 | 6,583,000 | 6,439,000 |
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 | 1,108,000 | 2,176,000 | 3,527,000 | 4,570,000 |
| Interest expense | 224,000 | 460,000 | 718,000 | 924,000 |
| Net interest income | 884,000 | 1,716,000 | 2,809,000 | 3,646,000 |
| Noninterest income | 74,000 | 74,000 | 153,000 | 192,000 |
| Noninterest expense | 514,000 | 890,000 | 1,370,000 | 2,122,000 |
| Provision for loan losses | 36,000 | 407,000 | 443,000 | 543,000 |
| Pretax income | 408,000 | 521,000 | 1,177,000 | 1,201,000 |
| Income tax | 137,000 | 174,000 | 395,000 | 450,000 |
| Net income | 271,000 | 347,000 | 782,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,063,000 | 6,139,000 | 6,574,000 | 6,430,000 |
| Total capital | 6,413,000 | 6,578,000 | 7,015,000 | 6,781,000 |
| Risk-weighted assets | 27,915,000 | 35,089,000 | 35,015,000 | 27,940,000 |