Call reports 2004
FIRST NATIONAL BANK OF COLORADO CITY — 2004
What FIRST NATIONAL BANK OF COLORADO CITY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,713,000 | 21,478,000 | 22,473,000 | 22,020,000 |
| Total loans | 11,251,000 | 12,339,000 | 13,127,000 | 13,558,000 |
| Allowance for loan losses | 43,000 | 76,000 | 77,000 | 77,000 |
| Securities available for sale | 4,931,000 | 1,270,000 | 1,316,000 | 3,387,000 |
| Securities held to maturity | 594,000 | 1,012,000 | 978,000 | 932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,930,000 | 18,727,000 | 19,683,000 | 19,171,000 |
| Interest-bearing deposits | 19,254,000 | 16,676,000 | 17,232,000 | 17,091,000 |
| Noninterest-bearing deposits | 1,676,000 | 2,051,000 | 2,451,000 | 2,080,000 |
| Equity capital | 2,564,000 | 2,550,000 | 2,569,000 | 2,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 411,000 | 710,000 | 979,000 |
| Interest expense | 64,000 | 123,000 | 180,000 | 244,000 |
| Net interest income | 171,000 | 288,000 | 530,000 | 735,000 |
| Noninterest income | 50,000 | 106,000 | 159,000 | 230,000 |
| Noninterest expense | 221,000 | 378,000 | 642,000 | 876,000 |
| Provision for loan losses | 30,000 | 64,000 | 64,000 | 64,000 |
| Pretax income | -30,000 | -48,000 | -17,000 | 25,000 |
| Income tax | -10,000 | -16,000 | -6,000 | -34,000 |
| Net income | -20,000 | -32,000 | -11,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,548,000 | 2,538,000 | 2,563,000 | 2,633,000 |
| Total capital | 2,591,000 | 2,614,000 | 2,640,000 | 2,710,000 |
| Risk-weighted assets | 8,403,000 | 7,993,000 | 8,667,000 | 10,622,000 |
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