Call reports 2003
FIRST NATIONAL BANK OF THE MID-CITES — 2003
What FIRST NATIONAL BANK OF THE MID-CITES 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 | 48,246,000 | 48,666,000 | 50,544,000 | 50,501,000 |
| Total loans | 29,574,000 | 29,613,000 | 32,349,000 | 36,274,000 |
| Allowance for loan losses | 597,000 | 526,000 | 535,000 | 545,000 |
| Securities available for sale | 6,879,000 | 6,880,000 | 5,843,000 | 3,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,273,000 | 43,766,000 | 44,912,000 | 45,636,000 |
| Interest-bearing deposits | 29,041,000 | 27,923,000 | 28,366,000 | 28,726,000 |
| Noninterest-bearing deposits | 15,232,000 | 15,843,000 | 16,546,000 | 16,910,000 |
| Equity capital | 3,495,000 | 4,318,000 | 4,590,000 | 3,477,000 |
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 | 832,000 | 1,478,000 | 2,111,000 | 2,818,000 |
| Interest expense | 167,000 | 324,000 | 475,000 | 625,000 |
| Net interest income | 665,000 | 1,154,000 | 1,636,000 | 2,193,000 |
| Noninterest income | 143,000 | 1,071,000 | 1,521,000 | 2,089,000 |
| Noninterest expense | 593,000 | 1,175,000 | 1,792,000 | 2,478,000 |
| Provision for loan losses | -1,000 | 0 | 3,000 | 83,000 |
| Pretax income | 216,000 | 1,050,000 | 1,362,000 | 1,721,000 |
| Income tax | 74,000 | 101,000 | 132,000 | 254,000 |
| Net income | 142,000 | 949,000 | 1,230,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,490,000 | 4,297,000 | 4,578,000 | 3,472,000 |
| Total capital | 3,923,000 | 4,734,000 | 5,045,000 | 3,982,000 |
| Risk-weighted assets | 34,484,000 | 34,850,000 | 37,453,000 | 40,749,000 |