Call reports 2003
FIRST NATIONAL BANK — 2003
What FIRST NATIONAL 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 | 48,194,000 | 47,886,000 | 47,069,000 | 47,722,000 |
| Total loans | 33,934,000 | 35,111,000 | 34,625,000 | 34,424,000 |
| Allowance for loan losses | 441,000 | 447,000 | 421,000 | 376,000 |
| Securities available for sale | 8,022,000 | 8,558,000 | 7,985,000 | 8,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,473,000 | 37,620,000 | 36,692,000 | 37,227,000 |
| Interest-bearing deposits | 33,264,000 | 33,170,000 | 32,816,000 | 31,884,000 |
| Noninterest-bearing deposits | 4,209,000 | 4,450,000 | 3,876,000 | 5,343,000 |
| Equity capital | 5,063,000 | 4,741,000 | 4,816,000 | 4,942,000 |
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 | 718,000 | 1,444,000 | 2,123,000 | 2,789,000 |
| Interest expense | 262,000 | 510,000 | 747,000 | 968,000 |
| Net interest income | 456,000 | 934,000 | 1,376,000 | 1,821,000 |
| Noninterest income | 83,000 | 160,000 | 239,000 | 320,000 |
| Noninterest expense | 353,000 | 697,000 | 1,020,000 | 1,330,000 |
| Provision for loan losses | 23,000 | 38,000 | 75,000 | 113,000 |
| Pretax income | 163,000 | 359,000 | 520,000 | 698,000 |
| Income tax | 228,000 | 228,000 | 234,000 | 242,000 |
| Net income | -65,000 | 131,000 | 286,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,876,000 | 4,522,000 | 4,677,000 | 4,847,000 |
| Total capital | 5,277,000 | 4,945,000 | 5,096,000 | 5,223,000 |
| Risk-weighted assets | 32,050,000 | 33,822,000 | 33,528,000 | 33,556,000 |