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 | 78,540,000 | 81,563,000 | 79,990,000 | 78,575,000 |
| Total loans | 43,663,000 | 45,785,000 | 44,040,000 | 43,696,000 |
| Allowance for loan losses | 710,000 | 719,000 | 719,000 | 711,000 |
| Securities available for sale | 2,041,000 | 2,074,000 | 8,080,000 | 8,064,000 |
| Securities held to maturity | 26,699,000 | 27,509,000 | 24,562,000 | 20,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,684,000 | 64,711,000 | 63,045,000 | 63,257,000 |
| Interest-bearing deposits | 55,234,000 | 56,348,000 | 55,298,000 | 53,339,000 |
| Noninterest-bearing deposits | 7,450,000 | 8,363,000 | 7,747,000 | 9,918,000 |
| Equity capital | 8,735,000 | 8,987,000 | 9,230,000 | 8,679,000 |
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 | 1,058,000 | 2,073,000 | 3,096,000 | 4,052,000 |
| Interest expense | 384,000 | 751,000 | 1,089,000 | 1,395,000 |
| Net interest income | 674,000 | 1,322,000 | 2,007,000 | 2,657,000 |
| Noninterest income | 60,000 | 127,000 | 196,000 | 262,000 |
| Noninterest expense | 347,000 | 704,000 | 1,068,000 | 1,410,000 |
| Provision for loan losses | 22,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 365,000 | 715,000 | 1,105,000 | 1,479,000 |
| Income tax | 125,000 | 248,000 | 395,000 | 515,000 |
| Net income | 240,000 | 467,000 | 710,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,743,000 | 8,970,000 | 9,213,000 | 8,666,000 |
| Total capital | 9,322,000 | 9,581,000 | 9,807,000 | 9,247,000 |
| Risk-weighted assets | 45,774,000 | 48,896,000 | 47,369,000 | 46,324,000 |