Call reports 2003
FIRST TRUST BANK — 2003
What FIRST TRUST 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 | 184,527,000 | 198,515,000 | 192,716,000 | 206,235,000 |
| Total loans | 128,102,000 | 134,148,000 | 138,514,000 | 146,484,000 |
| Allowance for loan losses | 2,427,000 | 2,512,000 | 2,560,000 | 2,665,000 |
| Securities available for sale | 32,816,000 | 30,083,000 | 34,241,000 | 33,070,000 |
| Securities held to maturity | 5,003,000 | 4,997,000 | 4,992,000 | 4,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,759,000 | 178,686,000 | 172,788,000 | 185,383,000 |
| Interest-bearing deposits | 129,754,000 | 137,554,000 | 141,691,000 | 153,859,000 |
| Noninterest-bearing deposits | 35,005,000 | 41,132,000 | 31,097,000 | 31,524,000 |
| Equity capital | 13,458,000 | 13,968,000 | 14,165,000 | 14,892,000 |
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 | 2,340,000 | 4,746,000 | 7,110,000 | 9,611,000 |
| Interest expense | 715,000 | 1,407,000 | 2,056,000 | 2,751,000 |
| Net interest income | 1,625,000 | 3,339,000 | 5,054,000 | 6,860,000 |
| Noninterest income | 71,000 | 152,000 | 261,000 | 333,000 |
| Noninterest expense | 908,000 | 1,849,000 | 2,846,000 | 3,776,000 |
| Provision for loan losses | 80,000 | 165,000 | 213,000 | 318,000 |
| Pretax income | 708,000 | 1,477,000 | 2,256,000 | 3,074,000 |
| Income tax | 249,000 | 534,000 | 808,000 | 1,055,000 |
| Net income | 459,000 | 943,000 | 1,448,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,766,000 | 13,287,000 | 13,792,000 | 14,576,000 |
| Total capital | 14,472,000 | 15,111,000 | 15,645,000 | 16,524,000 |
| Risk-weighted assets | 135,748,000 | 145,252,000 | 147,494,000 | 155,100,000 |