Call reports 2003
FIRST AMERICAN BANK — 2003
What FIRST AMERICAN 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 | 182,484,000 | 170,358,000 | 150,530,000 | 134,674,000 |
| Total loans | 107,728,000 | 99,347,000 | 91,487,000 | 89,513,000 |
| Allowance for loan losses | 1,744,000 | 1,794,000 | 1,665,000 | 1,528,000 |
| Securities available for sale | 37,231,000 | 28,596,000 | 17,613,000 | 18,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,487,000 | 80,583,000 | 80,743,000 | 79,162,000 |
| Interest-bearing deposits | 72,951,000 | 71,037,000 | 71,103,000 | 69,082,000 |
| Noninterest-bearing deposits | 9,536,000 | 9,546,000 | 9,640,000 | 10,080,000 |
| Equity capital | 14,328,000 | 12,933,000 | 12,424,000 | 12,229,000 |
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 | 2,504,000 | 4,789,000 | 6,758,000 | 8,575,000 |
| Interest expense | 1,778,000 | 3,482,000 | 5,022,000 | 6,236,000 |
| Net interest income | 726,000 | 1,307,000 | 1,736,000 | 2,339,000 |
| Noninterest income | 419,000 | 831,000 | 2,500,000 | 3,016,000 |
| Noninterest expense | 1,024,000 | 1,684,000 | 3,332,000 | 4,734,000 |
| Provision for loan losses | -226,000 | -136,000 | -46,000 | 44,000 |
| Pretax income | 347,000 | 590,000 | 950,000 | 577,000 |
| Income tax | 121,000 | 198,000 | 293,000 | 132,000 |
| Net income | 226,000 | 392,000 | 657,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,934,000 | 12,834,000 | 12,356,000 | 12,153,000 |
| Total capital | 15,305,000 | 14,154,000 | 13,559,000 | 13,314,000 |
| Risk-weighted assets | 109,323,000 | 105,096,000 | 95,816,000 | 92,537,000 |