Call reports 2003
FIRST NATIONAL BANK AND TRUST — 2003
What FIRST NATIONAL BANK AND TRUST 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 | 148,486,000 | 144,129,000 | 138,480,000 | 151,811,000 |
| Total loans | 85,964,000 | 89,594,000 | 82,271,000 | 85,120,000 |
| Allowance for loan losses | 1,655,000 | 1,591,000 | 1,961,000 | 2,033,000 |
| Securities available for sale | 48,173,000 | 46,508,000 | 46,608,000 | 45,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,928,000 | 116,194,000 | 114,393,000 | 119,205,000 |
| Interest-bearing deposits | 105,297,000 | 102,491,000 | 100,464,000 | 104,772,000 |
| Noninterest-bearing deposits | 12,631,000 | 13,703,000 | 13,929,000 | 14,433,000 |
| Equity capital | 18,618,000 | 18,615,000 | 18,002,000 | 18,191,000 |
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 | 2,113,000 | 4,156,000 | 6,208,000 | 8,216,000 |
| Interest expense | 777,000 | 1,507,000 | 2,175,000 | 2,808,000 |
| Net interest income | 1,336,000 | 2,649,000 | 4,033,000 | 5,408,000 |
| Noninterest income | 223,000 | 468,000 | 650,000 | 904,000 |
| Noninterest expense | 919,000 | 1,968,000 | 2,961,000 | 3,932,000 |
| Provision for loan losses | 75,000 | 350,000 | 485,000 | 620,000 |
| Pretax income | 565,000 | 799,000 | 1,237,000 | 1,760,000 |
| Income tax | 22,000 | 31,000 | 48,000 | 2,000 |
| Net income | 543,000 | 768,000 | 1,189,000 | 1,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,683,000 | 17,600,000 | 17,513,000 | 17,751,000 |
| Total capital | 18,980,000 | 18,906,000 | 18,722,000 | 19,029,000 |
| Risk-weighted assets | 103,429,000 | 104,315,000 | 95,977,000 | 101,586,000 |