Call reports 2003
FIRST BANK & TRUST — 2003
What FIRST BANK & TRUST 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 | 29,277,000 | 29,939,000 | 28,921,000 | 28,945,000 |
| Total loans | 6,458,000 | 5,158,000 | 5,436,000 | 6,167,000 |
| Allowance for loan losses | 106,000 | 106,000 | 106,000 | 106,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,200,000 | 19,200,000 | 19,200,000 | 19,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,907,000 | 26,548,000 | 25,515,000 | 25,669,000 |
| Interest-bearing deposits | 20,989,000 | 20,596,000 | 20,165,000 | 19,785,000 |
| Noninterest-bearing deposits | 4,918,000 | 5,952,000 | 5,350,000 | 5,884,000 |
| Equity capital | 3,263,000 | 3,316,000 | 3,355,000 | 3,200,000 |
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 | 312,000 | 601,000 | 878,000 | 1,154,000 |
| Interest expense | 71,000 | 137,000 | 191,000 | 242,000 |
| Net interest income | 241,000 | 464,000 | 687,000 | 912,000 |
| Noninterest income | 37,000 | 63,000 | 88,000 | 141,000 |
| Noninterest expense | 127,000 | 255,000 | 406,000 | 573,000 |
| Provision for loan losses | 0 | 0 | 0 | -49,000 |
| Pretax income | 151,000 | 316,000 | 437,000 | 597,000 |
| Income tax | 38,000 | 100,000 | 132,000 | 199,000 |
| Net income | 113,000 | 216,000 | 305,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,263,000 | 3,316,000 | 3,355,000 | 3,200,000 |
| Total capital | 3,369,000 | 3,422,000 | 3,461,000 | 3,306,000 |
| Risk-weighted assets | 11,416,000 | 8,735,000 | 8,865,000 | 9,482,000 |