Call reports 2004
FIRST NATIONAL BANK IN CRESTON, THE — 2004
What FIRST NATIONAL BANK IN CRESTON, 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 | 153,543,000 | 149,956,000 | 149,911,000 | 153,834,000 |
| Total loans | 99,126,000 | 103,468,000 | 105,530,000 | 109,276,000 |
| Allowance for loan losses | 1,214,000 | 1,253,000 | 1,284,000 | 1,300,000 |
| Securities available for sale | 39,378,000 | 38,298,000 | 31,853,000 | 35,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,000,000 | 135,859,000 | 135,520,000 | 139,892,000 |
| Interest-bearing deposits | 127,367,000 | 125,427,000 | 124,339,000 | 126,825,000 |
| Noninterest-bearing deposits | 11,633,000 | 10,432,000 | 11,181,000 | 13,067,000 |
| Equity capital | 12,799,000 | 12,456,000 | 12,692,000 | 12,642,000 |
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 | 2,015,000 | 4,010,000 | 5,963,000 | 8,033,000 |
| Interest expense | 703,000 | 1,403,000 | 2,092,000 | 2,788,000 |
| Net interest income | 1,312,000 | 2,607,000 | 3,871,000 | 5,245,000 |
| Noninterest income | 450,000 | 929,000 | 1,353,000 | 1,849,000 |
| Noninterest expense | 1,142,000 | 2,172,000 | 3,295,000 | 4,458,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 590,000 | 1,291,000 | 1,807,000 | 2,470,000 |
| Income tax | 30,000 | 65,000 | 90,000 | 124,000 |
| Net income | 560,000 | 1,226,000 | 1,717,000 | 2,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,377,000 | 12,554,000 | 12,580,000 | 12,720,000 |
| Total capital | 13,591,000 | 13,807,000 | 13,864,000 | 14,020,000 |
| Risk-weighted assets | 107,523,000 | 110,965,000 | 112,615,000 | 117,557,000 |
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