Call reports 2003
FIRST BANK AND TRUST OF FULLERTON — 2003
What FIRST BANK AND TRUST OF FULLERTON 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 | 45,320,000 | 45,071,000 | 43,874,000 | 45,582,000 |
| Total loans | 29,600,000 | 31,134,000 | 31,634,000 | 30,044,000 |
| Allowance for loan losses | 685,000 | 622,000 | 671,000 | 656,000 |
| Securities available for sale | 8,384,000 | 8,226,000 | 7,257,000 | 7,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,502,000 | 35,038,000 | 34,160,000 | 35,869,000 |
| Interest-bearing deposits | 32,760,000 | 32,647,000 | 31,906,000 | 32,994,000 |
| Noninterest-bearing deposits | 2,742,000 | 2,391,000 | 2,254,000 | 2,875,000 |
| Equity capital | 9,038,000 | 9,125,000 | 9,213,000 | 9,301,000 |
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 | 706,000 | 1,323,000 | 1,987,000 | 2,594,000 |
| Interest expense | 233,000 | 451,000 | 655,000 | 840,000 |
| Net interest income | 473,000 | 872,000 | 1,332,000 | 1,754,000 |
| Noninterest income | 33,000 | 74,000 | 113,000 | 148,000 |
| Noninterest expense | 280,000 | 576,000 | 878,000 | 1,165,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 215,000 | 348,000 | 534,000 | 703,000 |
| Income tax | 68,000 | 130,000 | 189,000 | 232,000 |
| Net income | 147,000 | 218,000 | 345,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,988,000 | 9,059,000 | 9,161,000 | 9,262,000 |
| Total capital | 9,449,000 | 9,526,000 | 9,626,000 | 9,704,000 |
| Risk-weighted assets | 36,626,000 | 37,227,000 | 37,017,000 | 35,116,000 |