Call reports 2003
FIRST NATIONAL BANK IN GEORGETOWN — 2003
What FIRST NATIONAL BANK IN GEORGETOWN 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 | 24,519,000 | 23,350,000 | 23,545,000 | 24,205,000 |
| Total loans | 11,518,000 | 11,860,000 | 12,482,000 | 12,444,000 |
| Allowance for loan losses | 190,000 | 175,000 | 133,000 | 130,000 |
| Securities available for sale | 6,069,000 | 4,540,000 | 6,048,000 | 5,777,000 |
| Securities held to maturity | 361,000 | 351,000 | 351,000 | 351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,167,000 | 20,009,000 | 20,206,000 | 20,921,000 |
| Interest-bearing deposits | 17,788,000 | 16,950,000 | 17,270,000 | 18,064,000 |
| Noninterest-bearing deposits | 3,379,000 | 3,059,000 | 2,936,000 | 2,857,000 |
| Equity capital | 3,187,000 | 3,197,000 | 3,211,000 | 3,117,000 |
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 | 247,000 | 488,000 | 724,000 | 958,000 |
| Interest expense | 89,000 | 161,000 | 231,000 | 301,000 |
| Net interest income | 158,000 | 327,000 | 493,000 | 657,000 |
| Noninterest income | 18,000 | 41,000 | 87,000 | 29,000 |
| Noninterest expense | 160,000 | 323,000 | 502,000 | 708,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 29,000 |
| Pretax income | 9,000 | 30,000 | 56,000 | -51,000 |
| Income tax | 3,000 | 10,000 | 16,000 | 0 |
| Net income | 6,000 | 20,000 | 40,000 | -51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,888,000 | 1,902,000 | 1,922,000 | 1,830,000 |
| Total capital | 2,033,000 | 2,050,000 | 2,055,000 | 1,960,000 |
| Risk-weighted assets | 11,590,000 | 11,841,000 | 12,013,000 | 11,716,000 |