Call reports 2003
FIRST INTERNATIONAL BANK AND TRUST — 2003
What FIRST INTERNATIONAL 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 | 536,852,000 | 547,945,000 | 568,375,000 | 609,769,000 |
| Total loans | 393,412,000 | 415,251,000 | 436,287,000 | 445,873,000 |
| Allowance for loan losses | 5,864,000 | 6,043,000 | 6,259,000 | 5,943,000 |
| Securities available for sale | 83,666,000 | 88,718,000 | 82,435,000 | 109,932,000 |
| Securities held to maturity | 1,049,000 | 649,000 | 550,000 | 295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,094,000 | 448,267,000 | 460,041,000 | 462,873,000 |
| Interest-bearing deposits | 393,394,000 | 391,524,000 | 397,637,000 | 397,956,000 |
| Noninterest-bearing deposits | 52,700,000 | 56,743,000 | 62,404,000 | 64,917,000 |
| Equity capital | 43,943,000 | 45,025,000 | 45,460,000 | 46,844,000 |
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 | 8,669,000 | 17,705,000 | 26,938,000 | 35,958,000 |
| Interest expense | 3,160,000 | 6,310,000 | 9,392,000 | 12,453,000 |
| Net interest income | 5,509,000 | 11,395,000 | 17,546,000 | 23,505,000 |
| Noninterest income | 977,000 | 1,987,000 | 3,080,000 | 4,304,000 |
| Noninterest expense | 3,927,000 | 8,340,000 | 12,718,000 | 17,086,000 |
| Provision for loan losses | 350,000 | 940,000 | 1,509,000 | 2,110,000 |
| Pretax income | 2,215,000 | 4,113,000 | 6,411,000 | 8,624,000 |
| Income tax | 883,000 | 1,716,000 | 2,423,000 | 2,681,000 |
| Net income | 1,332,000 | 2,397,000 | 3,988,000 | 5,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,377,000 | 42,095,000 | 43,269,000 | 44,877,000 |
| Total capital | 46,569,000 | 47,513,000 | 48,989,000 | 50,820,000 |
| Risk-weighted assets | 414,696,000 | 432,893,000 | 457,059,000 | 475,802,000 |
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