Call reports 2003
FIRST AMERICAN BANK — 2003
What FIRST AMERICAN 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 | 193,582,000 | 199,607,000 | 210,325,000 | 204,149,000 |
| Total loans | 98,525,000 | 96,747,000 | 95,190,000 | 97,876,000 |
| Allowance for loan losses | 2,130,000 | 1,899,000 | 1,888,000 | 1,531,000 |
| Securities available for sale | 74,640,000 | 82,413,000 | 89,178,000 | 87,407,000 |
| Securities held to maturity | 745,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,050,000 | 167,189,000 | 177,501,000 | 169,516,000 |
| Interest-bearing deposits | 104,670,000 | 106,443,000 | 105,174,000 | 95,522,000 |
| Noninterest-bearing deposits | 58,379,000 | 60,746,000 | 72,327,000 | 73,994,000 |
| Equity capital | 19,360,000 | 18,473,000 | 18,527,000 | 19,613,000 |
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 | 2,611,000 | 5,107,000 | 7,496,000 | 9,982,000 |
| Interest expense | 406,000 | 797,000 | 1,145,000 | 1,472,000 |
| Net interest income | 2,205,000 | 4,310,000 | 6,351,000 | 8,510,000 |
| Noninterest income | 451,000 | 843,000 | 1,648,000 | 2,237,000 |
| Noninterest expense | 1,889,000 | 3,793,000 | 5,839,000 | 7,970,000 |
| Provision for loan losses | 0 | 2,700,000 | 2,700,000 | 2,700,000 |
| Pretax income | 767,000 | -1,195,000 | -371,000 | 559,000 |
| Income tax | 317,000 | -490,000 | -152,000 | 214,000 |
| Net income | 450,000 | -705,000 | -219,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,595,000 | 17,461,000 | 18,156,000 | 19,146,000 |
| Total capital | 20,003,000 | 18,816,000 | 19,521,000 | 20,531,000 |
| Risk-weighted assets | 111,908,000 | 107,826,000 | 108,716,000 | 110,992,000 |