Call reports 2003
BUSINESS FIRST NATIONAL BANK — 2003
What BUSINESS 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 | 65,381,000 | 80,574,000 | 78,831,000 | 81,155,000 |
| Total loans | 54,176,000 | 56,784,000 | 58,983,000 | 63,057,000 |
| Allowance for loan losses | 601,000 | 655,000 | 711,000 | 704,000 |
| Securities available for sale | 2,489,000 | 3,452,000 | 7,799,000 | 7,492,000 |
| Securities held to maturity | 2,000,000 | 10,498,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,064,000 | 74,191,000 | 72,395,000 | 69,840,000 |
| Interest-bearing deposits | 49,903,000 | 63,607,000 | 57,541,000 | 51,029,000 |
| Noninterest-bearing deposits | 9,161,000 | 10,584,000 | 14,854,000 | 18,811,000 |
| Equity capital | 6,158,000 | 6,213,000 | 6,263,000 | 11,144,000 |
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 | 927,000 | 1,919,000 | 2,936,000 | 4,007,000 |
| Interest expense | 308,000 | 645,000 | 988,000 | 1,249,000 |
| Net interest income | 619,000 | 1,274,000 | 1,948,000 | 2,758,000 |
| Noninterest income | 116,000 | 676,000 | 902,000 | 1,125,000 |
| Noninterest expense | 641,000 | 1,738,000 | 2,527,000 | 3,425,000 |
| Provision for loan losses | 52,000 | 104,000 | 155,000 | 207,000 |
| Pretax income | 42,000 | 108,000 | 179,000 | 262,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 41,000 | 106,000 | 177,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,110,000 | 6,175,000 | 6,246,000 | 11,105,000 |
| Total capital | 6,728,000 | 6,847,000 | 6,974,000 | 11,826,000 |
| Risk-weighted assets | 59,070,000 | 59,505,000 | 60,579,000 | 66,784,000 |