Call reports 2003
1ST NATIONAL BANK & TRUST — 2003
What 1ST NATIONAL BANK & 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 | 225,385,000 | 232,034,000 | 242,208,000 | 276,851,000 |
| Total loans | 159,738,000 | 165,616,000 | 179,400,000 | 206,381,000 |
| Allowance for loan losses | 1,730,000 | 1,726,000 | 1,796,000 | 2,067,000 |
| Securities available for sale | 33,954,000 | 48,935,000 | 44,140,000 | 46,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,608,000 | 186,525,000 | 192,999,000 | 233,327,000 |
| Interest-bearing deposits | 157,023,000 | 156,169,000 | 161,473,000 | 200,336,000 |
| Noninterest-bearing deposits | 25,585,000 | 30,356,000 | 31,526,000 | 32,991,000 |
| Equity capital | 20,458,000 | 21,167,000 | 21,122,000 | 21,634,000 |
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 | 3,101,000 | 6,204,000 | 9,262,000 | 12,616,000 |
| Interest expense | 790,000 | 1,558,000 | 2,289,000 | 3,145,000 |
| Net interest income | 2,311,000 | 4,646,000 | 6,973,000 | 9,471,000 |
| Noninterest income | 447,000 | 928,000 | 1,370,000 | 1,781,000 |
| Noninterest expense | 1,795,000 | 3,679,000 | 5,569,000 | 7,551,000 |
| Provision for loan losses | 46,000 | 64,000 | 172,000 | 448,000 |
| Pretax income | 971,000 | 1,914,000 | 2,688,000 | 3,340,000 |
| Income tax | 337,000 | 663,000 | 926,000 | 1,145,000 |
| Net income | 634,000 | 1,251,000 | 1,762,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,921,000 | 20,538,000 | 21,049,000 | 21,481,000 |
| Total capital | 21,651,000 | 22,263,000 | 22,845,000 | 23,548,000 |
| Risk-weighted assets | 159,047,000 | 169,040,000 | 178,555,000 | 204,529,000 |