Call reports 2003
FIRST NATIONAL BANK OF PANA — 2003
What FIRST NATIONAL BANK OF PANA 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 | 91,911,000 | 88,427,000 | 90,821,000 | 92,658,000 |
| Total loans | 58,633,000 | 58,302,000 | 58,838,000 | 57,851,000 |
| Allowance for loan losses | 698,000 | 724,000 | 745,000 | 783,000 |
| Securities available for sale | 13,369,000 | 11,218,000 | 10,786,000 | 13,008,000 |
| Securities held to maturity | 7,155,000 | 7,077,000 | 7,430,000 | 7,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,355,000 | 76,791,000 | 79,262,000 | 81,054,000 |
| Interest-bearing deposits | 67,092,000 | 67,904,000 | 70,851,000 | 71,094,000 |
| Noninterest-bearing deposits | 8,263,000 | 8,887,000 | 8,411,000 | 9,960,000 |
| Equity capital | 10,398,000 | 10,562,000 | 10,629,000 | 10,562,000 |
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 | 1,260,000 | 2,486,000 | 3,691,000 | 4,880,000 |
| Interest expense | 459,000 | 904,000 | 1,319,000 | 1,722,000 |
| Net interest income | 801,000 | 1,582,000 | 2,372,000 | 3,158,000 |
| Noninterest income | 145,000 | 341,000 | 486,000 | 632,000 |
| Noninterest expense | 523,000 | 1,062,000 | 1,604,000 | 2,289,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 401,000 | 816,000 | 1,187,000 | 1,411,000 |
| Income tax | 124,000 | 253,000 | 368,000 | 374,000 |
| Net income | 277,000 | 563,000 | 819,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,274,000 | 10,409,000 | 10,545,000 | 10,495,000 |
| Total capital | 10,972,000 | 11,093,000 | 11,241,000 | 11,205,000 |
| Risk-weighted assets | 55,043,000 | 54,396,000 | 55,603,000 | 56,711,000 |