Call reports 2003
FIRST NATIONAL BANK AND TRUST — 2003
What FIRST NATIONAL 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 | 43,925,000 | 41,482,000 | 44,622,000 | 45,510,000 |
| Total loans | 29,766,000 | 30,239,000 | 33,683,000 | 34,469,000 |
| Allowance for loan losses | 452,000 | 502,000 | 497,000 | 557,000 |
| Securities available for sale | 6,732,000 | 6,753,000 | 6,380,000 | 6,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,445,000 | 35,312,000 | 37,900,000 | 37,354,000 |
| Interest-bearing deposits | 32,153,000 | 29,660,000 | 31,157,000 | 32,038,000 |
| Noninterest-bearing deposits | 5,292,000 | 5,652,000 | 6,743,000 | 5,316,000 |
| Equity capital | 3,248,000 | 3,408,000 | 3,440,000 | 3,354,000 |
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 | 641,000 | 1,286,000 | 1,949,000 | 2,617,000 |
| Interest expense | 242,000 | 467,000 | 678,000 | 879,000 |
| Net interest income | 399,000 | 819,000 | 1,271,000 | 1,738,000 |
| Noninterest income | 95,000 | 222,000 | 335,000 | 437,000 |
| Noninterest expense | 357,000 | 717,000 | 1,095,000 | 1,463,000 |
| Provision for loan losses | 45,000 | 95,000 | 95,000 | 155,000 |
| Pretax income | 94,000 | 231,000 | 418,000 | 559,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 227,000 | 414,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,099,000 | 3,237,000 | 3,325,000 | 3,265,000 |
| Total capital | 3,443,000 | 3,579,000 | 3,704,000 | 3,653,000 |
| Risk-weighted assets | 27,416,000 | 27,228,000 | 30,196,000 | 30,860,000 |