Call reports 2003
FIRST BANK AND TRUST COMPANY — 2003
What FIRST BANK AND TRUST COMPANY 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 | 54,468,000 | 53,233,000 | 52,323,000 | 52,994,000 |
| Total loans | 29,463,000 | 30,379,000 | 30,829,000 | 30,069,000 |
| Allowance for loan losses | 340,000 | 328,000 | 325,000 | 325,000 |
| Securities available for sale | 21,430,000 | 20,673,000 | 19,069,000 | 20,237,000 |
| Securities held to maturity | 383,000 | 270,000 | 207,000 | 180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,673,000 | 39,834,000 | 38,913,000 | 38,928,000 |
| Interest-bearing deposits | 38,520,000 | 37,265,000 | 36,616,000 | 36,054,000 |
| Noninterest-bearing deposits | 3,153,000 | 2,569,000 | 2,297,000 | 2,874,000 |
| Equity capital | 6,408,000 | 6,574,000 | 6,555,000 | 6,121,000 |
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 | 767,000 | 1,537,000 | 2,286,000 | 3,020,000 |
| Interest expense | 279,000 | 545,000 | 791,000 | 1,023,000 |
| Net interest income | 488,000 | 992,000 | 1,495,000 | 1,997,000 |
| Noninterest income | 51,000 | 112,000 | 161,000 | 237,000 |
| Noninterest expense | 353,000 | 715,000 | 1,066,000 | 1,490,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 381,000 | 584,000 | 740,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 26,000 |
| Net income | 183,000 | 371,000 | 568,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,875,000 | 6,064,000 | 6,211,000 | 5,856,000 |
| Total capital | 6,215,000 | 6,392,000 | 6,536,000 | 6,181,000 |
| Risk-weighted assets | 33,094,000 | 33,677,000 | 33,581,000 | 32,715,000 |