Call reports 2004
FIRST NATIONAL BANK OF PANDORA, THE — 2004
What FIRST NATIONAL BANK OF PANDORA, 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 | 108,311,000 | 105,600,000 | 102,955,000 | 99,109,000 |
| Total loans | 64,455,000 | 62,409,000 | 58,183,000 | 56,037,000 |
| Allowance for loan losses | 2,231,000 | 2,188,000 | 2,336,000 | 2,335,000 |
| Securities available for sale | 31,806,000 | 29,494,000 | 30,317,000 | 32,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,011,000 | 92,063,000 | 89,698,000 | 85,210,000 |
| Interest-bearing deposits | 85,801,000 | 83,317,000 | 79,989,000 | 75,235,000 |
| Noninterest-bearing deposits | 8,210,000 | 8,746,000 | 9,709,000 | 9,975,000 |
| Equity capital | 9,147,000 | 8,567,000 | 8,364,000 | 9,165,000 |
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 | 1,312,000 | 2,604,000 | 3,888,000 | 5,098,000 |
| Interest expense | 477,000 | 956,000 | 1,419,000 | 1,874,000 |
| Net interest income | 835,000 | 1,648,000 | 2,469,000 | 3,224,000 |
| Noninterest income | 153,000 | 283,000 | 382,000 | 542,000 |
| Noninterest expense | 971,000 | 1,868,000 | 2,804,000 | 3,535,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 65,000 | 49,000 | 233,000 |
| Income tax | 7,000 | 23,000 | 19,000 | 93,000 |
| Net income | 12,000 | 42,000 | 30,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,858,000 | 8,888,000 | 8,345,000 | 9,485,000 |
| Total capital | 9,720,000 | 9,731,000 | 9,144,000 | 10,269,000 |
| Risk-weighted assets | 67,624,000 | 66,088,000 | 62,394,000 | 61,207,000 |
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