Call reports 2003
FIRST NATIONAL BANK — 2003
What FIRST NATIONAL 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 | 218,653,000 | 219,690,000 | 214,096,000 | 213,300,000 |
| Total loans | 171,967,000 | 167,376,000 | 160,655,000 | 157,566,000 |
| Allowance for loan losses | 2,191,000 | 2,343,000 | 2,209,000 | 2,070,000 |
| Securities available for sale | 8,376,000 | 5,401,000 | 5,880,000 | 5,714,000 |
| Securities held to maturity | 968,000 | 965,000 | 698,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,677,000 | 197,568,000 | 191,915,000 | 193,101,000 |
| Interest-bearing deposits | 176,358,000 | 176,956,000 | 169,183,000 | 169,246,000 |
| Noninterest-bearing deposits | 20,319,000 | 20,612,000 | 22,732,000 | 23,855,000 |
| Equity capital | 15,748,000 | 16,060,000 | 16,126,000 | 16,345,000 |
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 | 3,112,000 | 6,087,000 | 8,838,000 | 11,861,000 |
| Interest expense | 1,253,000 | 2,463,000 | 3,557,000 | 4,584,000 |
| Net interest income | 1,859,000 | 3,624,000 | 5,281,000 | 7,277,000 |
| Noninterest income | 423,000 | 855,000 | 1,239,000 | 1,605,000 |
| Noninterest expense | 1,579,000 | 3,122,000 | 4,754,000 | 6,383,000 |
| Provision for loan losses | 210,000 | 455,000 | 620,000 | 1,065,000 |
| Pretax income | 493,000 | 902,000 | 1,149,000 | 1,437,000 |
| Income tax | 151,000 | 269,000 | 321,000 | 388,000 |
| Net income | 342,000 | 633,000 | 828,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,634,000 | 15,923,000 | 16,017,000 | 16,238,000 |
| Total capital | 17,458,000 | 17,725,000 | 17,796,000 | 17,942,000 |
| Risk-weighted assets | 145,580,000 | 143,746,000 | 141,866,000 | 135,926,000 |