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 | 492,838,000 | 503,311,000 | 492,505,000 | 492,633,000 |
| Total loans | 355,067,000 | 361,503,000 | 364,954,000 | 358,900,000 |
| Allowance for loan losses | 11,071,000 | 11,308,000 | 11,361,000 | 10,203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 94,500,000 | 93,069,000 | 96,912,000 | 90,754,000 |
| Trading assets | 0 | 0 | 0 | 5,561,000 |
| Total deposits | 403,345,000 | 406,278,000 | 395,769,000 | 401,030,000 |
| Interest-bearing deposits | 358,583,000 | 356,761,000 | 354,892,000 | 352,438,000 |
| Noninterest-bearing deposits | 44,762,000 | 49,517,000 | 40,877,000 | 48,592,000 |
| Equity capital | 37,331,000 | 38,377,000 | 39,944,000 | 37,289,000 |
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 | 9,403,000 | 19,230,000 | 29,238,000 | 38,552,000 |
| Interest expense | 2,585,000 | 5,084,000 | 7,396,000 | 9,541,000 |
| Net interest income | 6,818,000 | 14,146,000 | 21,842,000 | 29,011,000 |
| Noninterest income | 814,000 | 1,483,000 | 2,499,000 | 1,596,000 |
| Noninterest expense | 3,285,000 | 6,992,000 | 10,453,000 | 14,338,000 |
| Provision for loan losses | 3,124,000 | 5,822,000 | 8,689,000 | 10,250,000 |
| Pretax income | 1,223,000 | 2,815,000 | 5,199,000 | 6,019,000 |
| Income tax | 412,000 | 958,000 | 1,775,000 | 2,060,000 |
| Net income | 811,000 | 1,857,000 | 3,424,000 | 3,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,900,000 | 37,530,000 | 39,097,000 | 36,442,000 |
| Total capital | 40,721,000 | 42,412,000 | 43,948,000 | 41,306,000 |
| Risk-weighted assets | 379,391,000 | 384,127,000 | 381,594,000 | 383,774,000 |