Call reports 2004
FIRST NATIONAL BANK OF NIAGARA, THE — 2004
What FIRST NATIONAL BANK OF NIAGARA, THE 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 | 59,042,000 | 59,440,000 | 59,278,000 | 60,411,000 |
| Total loans | 44,819,000 | 45,110,000 | 45,750,000 | 45,588,000 |
| Allowance for loan losses | 491,000 | 494,000 | 518,000 | 495,000 |
| Securities available for sale | 8,454,000 | 6,647,000 | 6,753,000 | 5,196,000 |
| Securities held to maturity | 2,003,000 | 3,651,000 | 3,650,000 | 4,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,080,000 | 51,600,000 | 50,757,000 | 52,035,000 |
| Interest-bearing deposits | 46,292,000 | 46,448,000 | 45,288,000 | 45,668,000 |
| Noninterest-bearing deposits | 4,788,000 | 5,152,000 | 5,469,000 | 6,367,000 |
| Equity capital | 7,387,000 | 7,447,000 | 7,721,000 | 7,865,000 |
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 | 903,000 | 1,832,000 | 2,770,000 | 3,717,000 |
| Interest expense | 211,000 | 416,000 | 627,000 | 853,000 |
| Net interest income | 692,000 | 1,416,000 | 2,143,000 | 2,864,000 |
| Noninterest income | 60,000 | 129,000 | 204,000 | 266,000 |
| Noninterest expense | 450,000 | 890,000 | 1,346,000 | 1,846,000 |
| Provision for loan losses | 15,000 | 40,000 | 65,000 | 80,000 |
| Pretax income | 287,000 | 620,000 | 941,000 | 1,209,000 |
| Income tax | 106,000 | 224,000 | 338,000 | 428,000 |
| Net income | 181,000 | 396,000 | 603,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,317,000 | 7,526,000 | 7,727,000 | 7,898,000 |
| Total capital | 7,801,000 | 8,020,000 | 8,229,000 | 8,393,000 |
| Risk-weighted assets | 38,695,000 | 39,782,000 | 40,123,000 | 40,653,000 |
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