Call reports 2003
FIRST NATIONAL BANK USA — 2003
What FIRST NATIONAL BANK USA 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 | 114,794,000 | 125,505,000 | 117,045,000 | 121,214,000 |
| Total loans | 105,305,000 | 116,762,000 | 107,873,000 | 112,831,000 |
| Allowance for loan losses | 959,000 | 991,000 | 1,072,000 | 1,080,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,039,000 | 106,985,000 | 100,345,000 | 102,461,000 |
| Interest-bearing deposits | 79,745,000 | 85,557,000 | 83,153,000 | 86,627,000 |
| Noninterest-bearing deposits | 19,294,000 | 21,428,000 | 17,192,000 | 15,834,000 |
| Equity capital | 10,476,000 | 10,649,000 | 11,118,000 | 11,255,000 |
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 | 1,944,000 | 3,981,000 | 6,063,000 | 8,106,000 |
| Interest expense | 540,000 | 1,058,000 | 1,552,000 | 2,024,000 |
| Net interest income | 1,404,000 | 2,923,000 | 4,511,000 | 6,082,000 |
| Noninterest income | 675,000 | 1,357,000 | 2,213,000 | 2,758,000 |
| Noninterest expense | 1,280,000 | 2,697,000 | 4,204,000 | 5,756,000 |
| Provision for loan losses | 12,000 | 41,000 | 241,000 | 422,000 |
| Pretax income | 787,000 | 1,542,000 | 2,279,000 | 2,662,000 |
| Income tax | 238,000 | 461,000 | 707,000 | 880,000 |
| Net income | 549,000 | 1,081,000 | 1,572,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,476,000 | 10,649,000 | 11,118,000 | 11,255,000 |
| Total capital | 11,435,000 | 11,640,000 | 12,190,000 | 12,335,000 |
| Risk-weighted assets | 90,346,000 | 103,268,000 | 104,126,000 | 97,986,000 |