Call reports 2003
FIRST BANK & TRUST, IL — 2003
What FIRST BANK & TRUST, IL 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 | 212,440,000 | 216,204,000 | 223,518,000 | 225,200,000 |
| Total loans | 106,029,000 | 107,538,000 | 109,564,000 | 108,946,000 |
| Allowance for loan losses | 1,789,000 | 1,832,000 | 1,904,000 | 2,073,000 |
| Securities available for sale | 84,831,000 | 84,362,000 | 85,246,000 | 92,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,553,000 | 153,994,000 | 162,880,000 | 163,304,000 |
| Interest-bearing deposits | 132,618,000 | 138,502,000 | 145,609,000 | 147,641,000 |
| Noninterest-bearing deposits | 15,935,000 | 15,492,000 | 17,271,000 | 15,663,000 |
| Equity capital | 23,004,000 | 23,917,000 | 22,928,000 | 23,924,000 |
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 | 3,163,000 | 6,194,000 | 9,245,000 | 12,373,000 |
| Interest expense | 1,184,000 | 2,370,000 | 3,517,000 | 4,681,000 |
| Net interest income | 1,979,000 | 3,824,000 | 5,728,000 | 7,692,000 |
| Noninterest income | 490,000 | 1,082,000 | 1,727,000 | 2,178,000 |
| Noninterest expense | 1,541,000 | 3,072,000 | 4,758,000 | 6,359,000 |
| Provision for loan losses | 164,000 | 333,000 | 484,000 | 728,000 |
| Pretax income | 764,000 | 1,501,000 | 2,213,000 | 2,784,000 |
| Income tax | 242,000 | 511,000 | 768,000 | 907,000 |
| Net income | 522,000 | 990,000 | 1,445,000 | 1,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,258,000 | 22,848,000 | 22,837,000 | 23,521,000 |
| Total capital | 23,690,000 | 24,348,000 | 24,397,000 | 24,964,000 |
| Risk-weighted assets | 114,222,000 | 119,647,000 | 124,494,000 | 114,796,000 |