Call reports 2003
FIRST NATIONAL BANK OF GOLIAD, THE — 2003
What FIRST NATIONAL BANK OF GOLIAD, THE 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 | 45,832,000 | 47,334,000 | 45,007,000 | 41,034,000 |
| Total loans | 32,614,000 | 34,257,000 | 32,780,000 | 31,857,000 |
| Allowance for loan losses | 301,000 | 194,000 | 1,264,000 | 1,229,000 |
| Securities available for sale | 5,419,000 | 6,636,000 | 6,159,000 | 4,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,044,000 | 43,488,000 | 44,573,000 | 40,684,000 |
| Interest-bearing deposits | 34,025,000 | 34,458,000 | 34,672,000 | 31,308,000 |
| Noninterest-bearing deposits | 8,019,000 | 9,030,000 | 9,901,000 | 9,376,000 |
| Equity capital | 3,462,000 | 3,505,000 | 269,000 | 184,000 |
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 | 675,000 | 1,345,000 | 1,950,000 | 2,574,000 |
| Interest expense | 169,000 | 326,000 | 472,000 | 598,000 |
| Net interest income | 506,000 | 1,019,000 | 1,478,000 | 1,976,000 |
| Noninterest income | 133,000 | 262,000 | 194,000 | 354,000 |
| Noninterest expense | 556,000 | 1,093,000 | 1,735,000 | 2,442,000 |
| Provision for loan losses | 30,000 | 60,000 | 3,220,000 | 3,230,000 |
| Pretax income | 53,000 | 128,000 | -3,283,000 | -3,342,000 |
| Income tax | 16,000 | 40,000 | -163,000 | -163,000 |
| Net income | 37,000 | 88,000 | -3,120,000 | -3,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,389,000 | 3,439,000 | 228,000 | 169,000 |
| Total capital | 3,690,000 | 3,633,000 | 456,000 | 338,000 |
| Risk-weighted assets | 31,913,000 | 34,194,000 | 31,847,000 | 30,145,000 |