Call reports 2003
FIRST BANK AND TRUST — 2003
What FIRST BANK AND 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 | 492,292,000 | 575,137,000 | 541,077,000 | 575,295,000 |
| Total loans | 377,732,000 | 438,173,000 | 413,871,000 | 408,162,000 |
| Allowance for loan losses | 5,686,000 | 5,702,000 | 5,716,000 | 5,822,000 |
| Securities available for sale | 24,893,000 | 47,382,000 | 44,921,000 | 49,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,792,000 | 433,360,000 | 427,353,000 | 434,721,000 |
| Interest-bearing deposits | 299,933,000 | 357,168,000 | 348,947,000 | 345,063,000 |
| Noninterest-bearing deposits | 81,859,000 | 76,192,000 | 78,406,000 | 89,658,000 |
| Equity capital | 41,379,000 | 41,312,000 | 40,871,000 | 42,152,000 |
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 | 6,810,000 | 14,961,000 | 23,689,000 | 32,619,000 |
| Interest expense | 2,764,000 | 5,348,000 | 8,265,000 | 10,863,000 |
| Net interest income | 4,046,000 | 9,613,000 | 15,424,000 | 21,756,000 |
| Noninterest income | 1,847,000 | 3,531,000 | 6,675,000 | 9,661,000 |
| Noninterest expense | 5,801,000 | 11,662,000 | 16,474,000 | 22,724,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 256,000 | 1,496,000 | 5,473,000 | 8,340,000 |
| Income tax | -800,000 | -1,050,000 | -509,000 | -509,000 |
| Net income | 1,056,000 | 2,546,000 | 5,982,000 | 8,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,894,000 | 35,800,000 | 35,465,000 | 36,231,000 |
| Total capital | 40,018,000 | 40,227,000 | 39,863,000 | 40,913,000 |
| Risk-weighted assets | 328,329,000 | 352,856,000 | 350,498,000 | 373,438,000 |