Call reports 2004
FIRST NATIONAL BANK IN FRANKFORT — 2004
What FIRST NATIONAL BANK IN FRANKFORT 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 | 29,535,000 | 28,753,000 | 28,448,000 | 29,270,000 |
| Total loans | 14,003,000 | 15,216,000 | 14,162,000 | 13,757,000 |
| Allowance for loan losses | 219,000 | 224,000 | 216,000 | 228,000 |
| Securities available for sale | 12,465,000 | 11,810,000 | 11,701,000 | 13,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,160,000 | 21,839,000 | 21,242,000 | 22,052,000 |
| Interest-bearing deposits | 18,702,000 | 18,189,000 | 17,788,000 | 18,696,000 |
| Noninterest-bearing deposits | 3,458,000 | 3,650,000 | 3,454,000 | 3,356,000 |
| Equity capital | 3,279,000 | 2,877,000 | 3,165,000 | 3,203,000 |
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 | 354,000 | 703,000 | 1,058,000 | 1,415,000 |
| Interest expense | 119,000 | 236,000 | 354,000 | 471,000 |
| Net interest income | 235,000 | 467,000 | 704,000 | 944,000 |
| Noninterest income | 34,000 | 63,000 | 93,000 | 125,000 |
| Noninterest expense | 196,000 | 393,000 | 587,000 | 781,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 16,000 |
| Pretax income | 67,000 | 125,000 | 192,000 | 270,000 |
| Income tax | 12,000 | 14,000 | 17,000 | 19,000 |
| Net income | 55,000 | 111,000 | 175,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,968,000 | 3,015,000 | 3,069,000 | 3,134,000 |
| Total capital | 3,187,000 | 3,239,000 | 3,285,000 | 3,362,000 |
| Risk-weighted assets | 18,965,000 | 19,776,000 | 18,813,000 | 18,877,000 |
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