Call reports 2003
FIRST NATIONAL BANK OF COLORADO — 2003
What FIRST NATIONAL BANK OF COLORADO 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 | 716,611,000 | 745,856,000 | 720,185,000 | 724,573,000 |
| Total loans | 570,926,000 | 634,239,000 | 628,646,000 | 590,633,000 |
| Allowance for loan losses | 8,196,000 | 8,819,000 | 8,637,000 | 8,139,000 |
| Securities available for sale | 1,044,000 | 40,000 | 36,000 | 34,000 |
| Securities held to maturity | 41,760,000 | 42,430,000 | 39,627,000 | 36,321,000 |
| Trading assets | 0 | 0 | 0 | 3,573,000 |
| Total deposits | 650,777,000 | 679,031,000 | 653,264,000 | 660,011,000 |
| Interest-bearing deposits | 627,950,000 | 646,253,000 | 628,535,000 | 629,855,000 |
| Noninterest-bearing deposits | 22,827,000 | 32,778,000 | 24,729,000 | 30,156,000 |
| Equity capital | 56,698,000 | 56,817,000 | 58,114,000 | 58,346,000 |
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 | 11,309,000 | 23,336,000 | 35,479,000 | 46,369,000 |
| Interest expense | 3,609,000 | 7,258,000 | 10,385,000 | 13,181,000 |
| Net interest income | 7,700,000 | 16,078,000 | 25,094,000 | 33,188,000 |
| Noninterest income | 805,000 | 2,639,000 | 4,865,000 | 5,712,000 |
| Noninterest expense | 6,153,000 | 13,502,000 | 20,895,000 | 28,472,000 |
| Provision for loan losses | 2,055,000 | 4,692,000 | 6,456,000 | 7,790,000 |
| Pretax income | 297,000 | 523,000 | 2,608,000 | 2,638,000 |
| Income tax | 118,000 | 225,000 | 1,012,000 | 1,037,000 |
| Net income | 179,000 | 298,000 | 1,596,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,321,000 | 48,464,000 | 49,787,000 | 50,042,000 |
| Total capital | 54,845,000 | 55,131,000 | 56,509,000 | 56,899,000 |
| Risk-weighted assets | 519,660,000 | 531,241,000 | 535,885,000 | 547,129,000 |