Call reports 2003
FIRST NATIONAL BANK OF ALACHUA — 2003
What FIRST NATIONAL BANK OF ALACHUA 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 | 210,513,000 | 218,460,000 | 223,886,000 | 225,883,000 |
| Total loans | 136,754,000 | 136,977,000 | 128,997,000 | 126,946,000 |
| Allowance for loan losses | 1,890,000 | 2,023,000 | 1,890,000 | 1,927,000 |
| Securities available for sale | 636,000 | 606,000 | 584,000 | 573,000 |
| Securities held to maturity | 18,223,000 | 21,106,000 | 20,635,000 | 21,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,047,000 | 195,672,000 | 200,258,000 | 202,141,000 |
| Interest-bearing deposits | 150,794,000 | 157,479,000 | 161,765,000 | 159,463,000 |
| Noninterest-bearing deposits | 37,253,000 | 38,193,000 | 38,493,000 | 42,678,000 |
| Equity capital | 20,710,000 | 21,410,000 | 22,213,000 | 22,826,000 |
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 | 3,098,000 | 6,186,000 | 9,140,000 | 12,031,000 |
| Interest expense | 915,000 | 1,787,000 | 2,593,000 | 3,345,000 |
| Net interest income | 2,183,000 | 4,399,000 | 6,547,000 | 8,686,000 |
| Noninterest income | 594,000 | 1,162,000 | 1,842,000 | 2,393,000 |
| Noninterest expense | 1,584,000 | 3,092,000 | 4,582,000 | 6,181,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 450,000 |
| Pretax income | 1,058,000 | 2,199,000 | 3,402,000 | 4,448,000 |
| Income tax | 406,000 | 830,000 | 1,226,000 | 1,644,000 |
| Net income | 652,000 | 1,369,000 | 2,176,000 | 2,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,341,000 | 20,079,000 | 20,925,000 | 21,574,000 |
| Total capital | 21,231,000 | 22,028,000 | 22,815,000 | 23,431,000 |
| Risk-weighted assets | 152,948,000 | 155,861,000 | 152,187,000 | 148,668,000 |