Call reports 2003
FNBT BANK — 2003
What FNBT 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 | 337,974,000 | 349,643,000 | 356,023,000 | 351,066,000 |
| Total loans | 198,836,000 | 211,198,000 | 209,460,000 | 210,957,000 |
| Allowance for loan losses | 2,450,000 | 2,479,000 | 2,474,000 | 2,798,000 |
| Securities available for sale | 22,600,000 | 19,556,000 | 22,458,000 | 22,402,000 |
| Securities held to maturity | 1,096,000 | 2,194,000 | 2,091,000 | 1,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,902,000 | 279,323,000 | 286,756,000 | 283,251,000 |
| Interest-bearing deposits | 246,783,000 | 251,970,000 | 261,935,000 | 253,972,000 |
| Noninterest-bearing deposits | 25,119,000 | 27,353,000 | 24,821,000 | 29,279,000 |
| Equity capital | 28,503,000 | 29,100,000 | 29,695,000 | 29,743,000 |
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 | 4,004,000 | 8,165,000 | 12,348,000 | 16,110,000 |
| Interest expense | 1,059,000 | 2,064,000 | 2,993,000 | 3,868,000 |
| Net interest income | 2,945,000 | 6,101,000 | 9,355,000 | 12,242,000 |
| Noninterest income | 1,741,000 | 3,926,000 | 5,955,000 | 8,262,000 |
| Noninterest expense | 3,574,000 | 7,348,000 | 11,109,000 | 15,154,000 |
| Provision for loan losses | 14,000 | 110,000 | 111,000 | 476,000 |
| Pretax income | 1,098,000 | 2,569,000 | 4,090,000 | 4,874,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,098,000 | 2,569,000 | 4,090,000 | 4,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,134,000 | 28,762,000 | 29,439,000 | 29,537,000 |
| Total capital | 30,584,000 | 31,241,000 | 31,913,000 | 32,335,000 |
| Risk-weighted assets | 236,247,000 | 255,121,000 | 266,591,000 | 250,530,000 |