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 | 55,707,000 | 57,564,000 | 61,912,000 | 62,275,000 |
| Total loans | 44,727,000 | 47,490,000 | 49,599,000 | 48,921,000 |
| Allowance for loan losses | 586,000 | 607,000 | 610,000 | 595,000 |
| Securities available for sale | 5,230,000 | 5,242,000 | 5,144,000 | 5,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,405,000 | 46,410,000 | 50,457,000 | 51,405,000 |
| Interest-bearing deposits | 39,896,000 | 40,865,000 | 42,860,000 | 44,230,000 |
| Noninterest-bearing deposits | 5,509,000 | 5,545,000 | 7,597,000 | 7,175,000 |
| Equity capital | 4,119,000 | 4,296,000 | 4,490,000 | 4,605,000 |
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 | 894,000 | 1,820,000 | 2,807,000 | 3,750,000 |
| Interest expense | 254,000 | 507,000 | 752,000 | 1,012,000 |
| Net interest income | 640,000 | 1,313,000 | 2,055,000 | 2,738,000 |
| Noninterest income | 105,000 | 191,000 | 276,000 | 395,000 |
| Noninterest expense | 466,000 | 934,000 | 1,365,000 | 1,958,000 |
| Provision for loan losses | 27,000 | 56,000 | 86,000 | 116,000 |
| Pretax income | 252,000 | 514,000 | 880,000 | 1,059,000 |
| Income tax | 166,000 | 255,000 | 344,000 | 397,000 |
| Net income | 86,000 | 259,000 | 536,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,045,000 | 4,214,000 | 4,441,000 | 4,573,000 |
| Total capital | 4,590,000 | 4,789,000 | 5,048,000 | 5,168,000 |
| Risk-weighted assets | 43,557,000 | 45,951,000 | 48,544,000 | 47,943,000 |