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 | 84,317,000 | 84,023,000 | 86,778,000 | 89,263,000 |
| Total loans | 40,719,000 | 38,190,000 | 36,857,000 | 37,439,000 |
| Allowance for loan losses | 429,000 | 385,000 | 375,000 | 363,000 |
| Securities available for sale | 37,910,000 | 42,388,000 | 46,754,000 | 46,764,000 |
| Securities held to maturity | 25,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,814,000 | 70,632,000 | 69,809,000 | 75,383,000 |
| Interest-bearing deposits | 61,668,000 | 63,835,000 | 63,881,000 | 69,393,000 |
| Noninterest-bearing deposits | 6,146,000 | 6,797,000 | 5,928,000 | 5,990,000 |
| Equity capital | 12,817,000 | 13,162,000 | 13,275,000 | 13,676,000 |
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 | 1,022,000 | 2,070,000 | 3,156,000 | 4,228,000 |
| Interest expense | 313,000 | 609,000 | 880,000 | 1,136,000 |
| Net interest income | 709,000 | 1,461,000 | 2,276,000 | 3,092,000 |
| Noninterest income | 88,000 | 150,000 | 226,000 | 333,000 |
| Noninterest expense | 357,000 | 668,000 | 991,000 | 1,313,000 |
| Provision for loan losses | 0 | 23,000 | 32,000 | 40,000 |
| Pretax income | 459,000 | 939,000 | 1,498,000 | 2,097,000 |
| Income tax | 165,000 | 337,000 | 534,000 | 744,000 |
| Net income | 294,000 | 602,000 | 964,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,504,000 | 12,812,000 | 13,174,000 | 13,563,000 |
| Total capital | 12,933,000 | 13,197,000 | 13,549,000 | 13,926,000 |
| Risk-weighted assets | 44,343,000 | 42,396,000 | 42,151,000 | 43,570,000 |