Call reports 2003
FIRST NATIONAL BANK OF HICO, THE — 2003
What FIRST NATIONAL BANK OF HICO, THE 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 | 24,038,000 | 25,369,000 | 27,063,000 | 27,078,000 |
| Total loans | 10,118,000 | 10,075,000 | 10,076,000 | 9,897,000 |
| Allowance for loan losses | 229,000 | 240,000 | 215,000 | 190,000 |
| Securities available for sale | 8,266,000 | 8,271,000 | 9,001,000 | 8,687,000 |
| Securities held to maturity | 1,707,000 | 1,772,000 | 1,867,000 | 1,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,258,000 | 22,563,000 | 24,341,000 | 24,365,000 |
| Interest-bearing deposits | 16,690,000 | 17,606,000 | 18,898,000 | 18,626,000 |
| Noninterest-bearing deposits | 4,568,000 | 4,957,000 | 5,443,000 | 5,739,000 |
| Equity capital | 2,606,000 | 2,688,000 | 2,615,000 | 2,628,000 |
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 | 300,000 | 584,000 | 872,000 | 1,157,000 |
| Interest expense | 64,000 | 122,000 | 174,000 | 223,000 |
| Net interest income | 236,000 | 462,000 | 698,000 | 934,000 |
| Noninterest income | 41,000 | 79,000 | 119,000 | 160,000 |
| Noninterest expense | 217,000 | 446,000 | 661,000 | 887,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000 |
| Pretax income | 60,000 | 102,000 | 205,000 | 281,000 |
| Income tax | 0 | 0 | 2,000 | 4,000 |
| Net income | 60,000 | 102,000 | 203,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,389,000 | 2,403,000 | 2,503,000 | 2,537,000 |
| Total capital | 2,545,000 | 2,563,000 | 2,664,000 | 2,696,000 |
| Risk-weighted assets | 12,370,000 | 12,741,000 | 12,846,000 | 12,672,000 |