Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL BANK 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 | 47,886,000 | 47,539,000 | 46,122,000 | 52,148,000 |
| Total loans | 29,817,000 | 32,239,000 | 32,654,000 | 32,914,000 |
| Allowance for loan losses | 350,000 | 323,000 | 333,000 | 353,000 |
| Securities available for sale | 10,092,000 | 9,939,000 | 9,926,000 | 9,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,172,000 | 40,919,000 | 39,252,000 | 45,355,000 |
| Interest-bearing deposits | 35,524,000 | 34,963,000 | 33,522,000 | 38,288,000 |
| Noninterest-bearing deposits | 5,648,000 | 5,956,000 | 5,731,000 | 7,067,000 |
| Equity capital | 6,363,000 | 6,217,000 | 6,411,000 | 6,464,000 |
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 | 638,000 | 1,341,000 | 2,012,000 | 2,699,000 |
| Interest expense | 152,000 | 302,000 | 454,000 | 620,000 |
| Net interest income | 486,000 | 1,039,000 | 1,558,000 | 2,079,000 |
| Noninterest income | 77,000 | 147,000 | 215,000 | 291,000 |
| Noninterest expense | 390,000 | 758,000 | 1,164,000 | 1,544,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 30,000 |
| Pretax income | 173,000 | 428,000 | 599,000 | 796,000 |
| Income tax | 12,000 | 30,000 | 42,000 | 56,000 |
| Net income | 161,000 | 398,000 | 557,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,047,000 | 6,155,000 | 6,244,000 | 6,368,000 |
| Total capital | 6,397,000 | 6,478,000 | 6,577,000 | 6,721,000 |
| Risk-weighted assets | 30,942,000 | 33,046,000 | 33,062,000 | 34,420,000 |
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