Call reports 2003
1ST FINANCIAL BANK USA — 2003
What 1ST FINANCIAL BANK USA 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 | 213,878,000 | 220,196,000 | 235,003,000 | 231,773,000 |
| Total loans | 85,236,000 | 88,863,000 | 105,621,000 | 86,096,000 |
| Allowance for loan losses | 9,042,000 | 9,088,000 | 9,355,000 | 8,127,000 |
| Securities available for sale | 18,355,000 | 18,310,000 | 18,244,000 | 20,570,000 |
| Securities held to maturity | 35,787,000 | 34,700,000 | 24,620,000 | 48,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,724,000 | 167,214,000 | 180,555,000 | 176,300,000 |
| Interest-bearing deposits | 163,231,000 | 162,254,000 | 173,115,000 | 171,177,000 |
| Noninterest-bearing deposits | 4,493,000 | 4,960,000 | 7,440,000 | 5,123,000 |
| Equity capital | 36,436,000 | 41,835,000 | 44,035,000 | 45,009,000 |
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 | 9,696,000 | 25,203,000 | 39,187,000 | 51,288,000 |
| Interest expense | 1,311,000 | 2,597,000 | 3,780,000 | 4,944,000 |
| Net interest income | 8,385,000 | 22,606,000 | 35,407,000 | 46,344,000 |
| Noninterest income | 6,591,000 | 16,500,000 | 25,039,000 | 34,839,000 |
| Noninterest expense | 12,478,000 | 27,753,000 | 42,830,000 | 59,193,000 |
| Provision for loan losses | 2,285,000 | 4,161,000 | 6,263,000 | 6,227,000 |
| Pretax income | 213,000 | 7,192,000 | 11,353,000 | 15,763,000 |
| Income tax | 34,000 | 2,720,000 | 4,247,000 | 5,898,000 |
| Net income | 179,000 | 4,472,000 | 7,106,000 | 9,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,544,000 | 36,396,000 | 39,299,000 | 42,230,000 |
| Total capital | 37,406,000 | 42,016,000 | 45,255,000 | 48,631,000 |
| Risk-weighted assets | 295,020,000 | 336,322,000 | 355,054,000 | 365,464,000 |