Call reports 2003
FIRST NATIONAL BANK OF CRESTVIEW — 2003
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 141,774,000 | 147,787,000 | 145,061,000 | 218,192,000 |
| Total loans | 65,396,000 | 66,278,000 | 66,144,000 | 73,866,000 |
| Allowance for loan losses | 973,000 | 979,000 | 756,000 | 770,000 |
| Securities available for sale | 52,512,000 | 57,987,000 | 58,775,000 | 133,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,517,000 | 124,408,000 | 122,760,000 | 175,493,000 |
| Interest-bearing deposits | 97,106,000 | 99,169,000 | 98,968,000 | 152,298,000 |
| Noninterest-bearing deposits | 22,411,000 | 25,239,000 | 23,792,000 | 23,195,000 |
| Equity capital | 21,431,000 | 21,874,000 | 21,577,000 | 21,994,000 |
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 | 1,726,000 | 3,405,000 | 5,036,000 | 6,993,000 |
| Interest expense | 587,000 | 1,080,000 | 1,537,000 | 1,975,000 |
| Net interest income | 1,139,000 | 2,325,000 | 3,499,000 | 5,018,000 |
| Noninterest income | 138,000 | 277,000 | 397,000 | 520,000 |
| Noninterest expense | 882,000 | 1,727,000 | 2,560,000 | 3,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 415,000 | 956,000 | 1,417,000 | 2,128,000 |
| Income tax | 134,000 | 312,000 | 460,000 | 693,000 |
| Net income | 281,000 | 644,000 | 957,000 | 1,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,939,000 | 21,272,000 | 21,550,000 | 21,843,000 |
| Total capital | 21,928,000 | 22,286,000 | 22,306,000 | 22,613,000 |
| Risk-weighted assets | 80,447,000 | 81,830,000 | 81,879,000 | 106,010,000 |