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 | 69,572,000 | 66,528,000 | 68,182,000 | 70,835,000 |
| Total loans | 53,081,000 | 57,760,000 | 51,579,000 | 49,244,000 |
| Allowance for loan losses | 1,580,000 | 1,421,000 | 1,683,000 | 1,315,000 |
| Securities available for sale | 7,281,000 | 6,730,000 | 5,088,000 | 9,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,399,000 | 57,628,000 | 60,587,000 | 61,665,000 |
| Interest-bearing deposits | 49,379,000 | 47,330,000 | 51,933,000 | 52,404,000 |
| Noninterest-bearing deposits | 13,020,000 | 10,298,000 | 8,654,000 | 9,261,000 |
| Equity capital | 5,791,000 | 6,825,000 | 6,863,000 | 7,687,000 |
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 | 1,102,000 | 2,630,000 | 3,704,000 | 4,964,000 |
| Interest expense | 393,000 | 753,000 | 1,108,000 | 1,448,000 |
| Net interest income | 709,000 | 1,877,000 | 2,596,000 | 3,516,000 |
| Noninterest income | 471,000 | 926,000 | 1,224,000 | 1,509,000 |
| Noninterest expense | 882,000 | 1,801,000 | 2,696,000 | 3,658,000 |
| Provision for loan losses | 33,000 | 286,000 | 306,000 | 646,000 |
| Pretax income | 265,000 | 716,000 | 818,000 | 721,000 |
| Income tax | 95,000 | 258,000 | 294,000 | 242,000 |
| Net income | 170,000 | 458,000 | 524,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,458,000 | 6,504,000 | 6,801,000 | 7,522,000 |
| Total capital | 6,137,000 | 7,209,000 | 7,494,000 | 8,184,000 |
| Risk-weighted assets | 53,387,000 | 55,585,000 | 54,348,000 | 52,253,000 |