Call reports 2003
FIRST CITY BANK — 2003
What FIRST CITY 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 | 54,321,000 | 52,600,000 | 52,537,000 | 52,088,000 |
| Total loans | 35,928,000 | 38,014,000 | 39,251,000 | 41,461,000 |
| Allowance for loan losses | 416,000 | 375,000 | 389,000 | 409,000 |
| Securities available for sale | 10,432,000 | 9,391,000 | 8,200,000 | 7,448,000 |
| Securities held to maturity | 130,000 | 128,000 | 126,000 | 124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,978,000 | 44,270,000 | 44,410,000 | 43,998,000 |
| Interest-bearing deposits | 43,944,000 | 43,004,000 | 41,946,000 | 41,600,000 |
| Noninterest-bearing deposits | 2,034,000 | 1,266,000 | 2,464,000 | 2,398,000 |
| Equity capital | 3,658,000 | 3,710,000 | 3,729,000 | 3,816,000 |
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 | 778,000 | 1,532,000 | 2,252,000 | 2,975,000 |
| Interest expense | 299,000 | 596,000 | 862,000 | 1,108,000 |
| Net interest income | 479,000 | 936,000 | 1,390,000 | 1,867,000 |
| Noninterest income | 9,000 | 25,000 | 42,000 | 58,000 |
| Noninterest expense | 352,000 | 698,000 | 1,036,000 | 1,372,000 |
| Provision for loan losses | 18,000 | 46,000 | 59,000 | 79,000 |
| Pretax income | 118,000 | 217,000 | 337,000 | 474,000 |
| Income tax | 47,000 | 81,000 | 125,000 | 175,000 |
| Net income | 71,000 | 136,000 | 212,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,628,000 | 3,684,000 | 3,705,000 | 3,783,000 |
| Total capital | 4,489,000 | 4,559,000 | 4,593,000 | 4,690,000 |
| Risk-weighted assets | 28,844,000 | 30,149,000 | 31,056,000 | 32,554,000 |