Call reports 2003
FIRST NATIONAL BANK — 2003
What FIRST NATIONAL BANK 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 | 1,610,674,000 | 1,768,557,000 | 2,071,636,000 | 2,213,049,000 |
| Total loans | 792,404,000 | 867,702,000 | 937,608,000 | 1,013,664,000 |
| Allowance for loan losses | 11,500,000 | 13,054,000 | 14,000,000 | 16,000,000 |
| Securities available for sale | 657,379,000 | 734,836,000 | 953,191,000 | 1,007,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,392,442,000 | 1,437,714,000 | 1,663,677,000 | 1,870,703,000 |
| Interest-bearing deposits | 1,232,585,000 | 1,283,911,000 | 1,497,816,000 | 1,695,503,000 |
| Noninterest-bearing deposits | 159,857,000 | 153,804,000 | 165,860,000 | 175,201,000 |
| Equity capital | 120,214,000 | 128,846,000 | 147,034,000 | 153,643,000 |
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 | 23,705,000 | 49,026,000 | 76,553,000 | 108,198,000 |
| Interest expense | 8,254,000 | 17,140,000 | 26,535,000 | 36,894,000 |
| Net interest income | 15,451,000 | 31,886,000 | 50,018,000 | 71,304,000 |
| Noninterest income | 3,200,000 | 6,791,000 | 10,344,000 | 14,541,000 |
| Noninterest expense | 9,555,000 | 19,590,000 | 30,320,000 | 44,553,000 |
| Provision for loan losses | 102,000 | 2,675,000 | 4,693,000 | 9,317,000 |
| Pretax income | 13,556,000 | 24,208,000 | 33,156,000 | 40,166,000 |
| Income tax | 3,053,000 | 6,206,000 | 9,406,000 | 13,666,000 |
| Net income | 10,503,000 | 18,002,000 | 23,750,000 | 26,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,181,000 | 125,681,000 | 151,429,000 | 159,179,000 |
| Total capital | 129,681,000 | 138,735,000 | 165,429,000 | 175,179,000 |
| Risk-weighted assets | 968,672,000 | 1,088,591,000 | 1,184,914,000 | 1,292,675,000 |