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 | 399,102,000 | 420,637,000 | 431,543,000 | 446,134,000 |
| Total loans | 301,578,000 | 339,528,000 | 359,077,000 | 363,682,000 |
| Allowance for loan losses | 3,538,000 | 3,512,000 | 4,058,000 | 4,321,000 |
| Securities available for sale | 63,976,000 | 62,752,000 | 53,958,000 | 49,314,000 |
| Securities held to maturity | 1,455,000 | 1,344,000 | 2,177,000 | 1,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,175,000 | 374,127,000 | 380,322,000 | 403,985,000 |
| Interest-bearing deposits | 314,067,000 | 331,429,000 | 337,626,000 | 359,845,000 |
| Noninterest-bearing deposits | 45,108,000 | 42,698,000 | 42,696,000 | 44,140,000 |
| Equity capital | 29,801,000 | 31,999,000 | 35,104,000 | 32,631,000 |
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 | 6,245,000 | 12,660,000 | 20,237,000 | 27,111,000 |
| Interest expense | 1,941,000 | 3,869,000 | 5,461,000 | 7,081,000 |
| Net interest income | 4,304,000 | 8,791,000 | 14,776,000 | 20,030,000 |
| Noninterest income | 458,000 | 1,107,000 | 2,135,000 | 2,593,000 |
| Noninterest expense | 2,688,000 | 5,403,000 | 8,294,000 | 11,348,000 |
| Provision for loan losses | 0 | 123,000 | 867,000 | 1,231,000 |
| Pretax income | 2,092,000 | 4,482,000 | 7,890,000 | 10,165,000 |
| Income tax | 788,000 | 805,000 | 850,000 | 879,000 |
| Net income | 1,304,000 | 3,677,000 | 7,040,000 | 9,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,641,000 | 31,015,000 | 34,377,000 | 32,124,000 |
| Total capital | 38,029,000 | 40,377,000 | 44,285,000 | 42,295,000 |
| Risk-weighted assets | 332,801,000 | 365,982,000 | 384,983,000 | 391,919,000 |