Call reports 2003
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2003
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA 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 | 162,636,000 | 169,085,000 | 169,514,000 | 173,368,000 |
| Total loans | 97,882,000 | 100,323,000 | 99,686,000 | 104,715,000 |
| Allowance for loan losses | 700,000 | 750,000 | 750,000 | 750,000 |
| Securities available for sale | 46,867,000 | 44,000,000 | 52,944,000 | 52,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,708,000 | 143,795,000 | 144,382,000 | 146,802,000 |
| Interest-bearing deposits | 130,641,000 | 136,616,000 | 138,823,000 | 140,183,000 |
| Noninterest-bearing deposits | 5,067,000 | 7,179,000 | 5,559,000 | 6,619,000 |
| Equity capital | 17,663,000 | 17,030,000 | 16,828,000 | 17,479,000 |
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 | 2,067,000 | 4,066,000 | 6,090,000 | 8,153,000 |
| Interest expense | 799,000 | 1,575,000 | 2,310,000 | 3,026,000 |
| Net interest income | 1,268,000 | 2,491,000 | 3,780,000 | 5,127,000 |
| Noninterest income | 312,000 | 617,000 | 960,000 | 1,259,000 |
| Noninterest expense | 860,000 | 1,768,000 | 2,665,000 | 3,663,000 |
| Provision for loan losses | -38,000 | -53,000 | -50,000 | 53,000 |
| Pretax income | 758,000 | 1,393,000 | 2,126,000 | 2,672,000 |
| Income tax | 16,000 | 27,000 | 32,000 | 38,000 |
| Net income | 742,000 | 1,366,000 | 2,094,000 | 2,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,852,000 | 15,406,000 | 15,629,000 | 16,179,000 |
| Total capital | 16,552,000 | 16,156,000 | 16,379,000 | 16,929,000 |
| Risk-weighted assets | 100,464,000 | 103,580,000 | 103,464,000 | 107,958,000 |