Call reports 2003
FIRST NATIONAL BANK OF FAIRBURY, THE — 2003
What FIRST NATIONAL BANK OF FAIRBURY, 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 | 101,042,000 | 100,661,000 | 100,005,000 | 101,821,000 |
| Total loans | 30,735,000 | 31,995,000 | 34,131,000 | 33,847,000 |
| Allowance for loan losses | 1,893,000 | 1,815,000 | 1,854,000 | 1,906,000 |
| Securities available for sale | 53,832,000 | 56,460,000 | 56,453,000 | 48,956,000 |
| Securities held to maturity | 1,274,000 | 1,228,000 | 931,000 | 904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,123,000 | 74,340,000 | 74,115,000 | 76,343,000 |
| Interest-bearing deposits | 66,680,000 | 66,567,000 | 65,582,000 | 65,426,000 |
| Noninterest-bearing deposits | 8,443,000 | 7,773,000 | 8,533,000 | 10,917,000 |
| Equity capital | 22,742,000 | 23,210,000 | 22,818,000 | 23,188,000 |
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 | 1,220,000 | 2,424,000 | 3,650,000 | 4,872,000 |
| Interest expense | 366,000 | 700,000 | 1,004,000 | 1,288,000 |
| Net interest income | 854,000 | 1,724,000 | 2,646,000 | 3,584,000 |
| Noninterest income | 60,000 | 153,000 | 211,000 | 282,000 |
| Noninterest expense | 530,000 | 1,137,000 | 1,741,000 | 2,367,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 384,000 | 740,000 | 1,116,000 | 1,520,000 |
| Income tax | 110,000 | 207,000 | 306,000 | 374,000 |
| Net income | 274,000 | 533,000 | 810,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,144,000 | 22,404,000 | 22,680,000 | 23,016,000 |
| Total capital | 22,720,000 | 22,993,000 | 23,299,000 | 23,675,000 |
| Risk-weighted assets | 44,776,000 | 45,872,000 | 48,248,000 | 51,491,000 |