Call reports 2004
FIRST NATIONAL BANK IN PHILIP — 2004
What FIRST NATIONAL BANK IN PHILIP 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 | 109,329,000 | 111,772,000 | 112,471,000 | 115,950,000 |
| Total loans | 79,064,000 | 80,618,000 | 81,255,000 | 76,452,000 |
| Allowance for loan losses | 1,595,000 | 1,581,000 | 1,560,000 | 1,566,000 |
| Securities available for sale | 12,612,000 | 12,910,000 | 9,538,000 | 17,268,000 |
| Securities held to maturity | 9,227,000 | 9,000,000 | 9,199,000 | 10,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,085,000 | 92,514,000 | 93,984,000 | 97,304,000 |
| Interest-bearing deposits | 77,838,000 | 80,615,000 | 80,444,000 | 83,551,000 |
| Noninterest-bearing deposits | 11,248,000 | 11,899,000 | 13,541,000 | 13,753,000 |
| Equity capital | 16,418,000 | 16,400,000 | 16,547,000 | 16,647,000 |
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 | 1,515,000 | 3,045,000 | 4,646,000 | 6,245,000 |
| Interest expense | 380,000 | 762,000 | 1,166,000 | 1,599,000 |
| Net interest income | 1,135,000 | 2,283,000 | 3,480,000 | 4,646,000 |
| Noninterest income | 196,000 | 325,000 | 429,000 | 627,000 |
| Noninterest expense | 693,000 | 1,324,000 | 1,987,000 | 2,696,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 625,000 | 1,259,000 | 1,932,000 | 2,590,000 |
| Income tax | 191,000 | 387,000 | 594,000 | 793,000 |
| Net income | 434,000 | 872,000 | 1,338,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,092,000 | 16,230,000 | 16,396,000 | 16,555,000 |
| Total capital | 17,274,000 | 17,444,000 | 17,617,000 | 17,747,000 |
| Risk-weighted assets | 94,162,000 | 96,762,000 | 97,308,000 | 94,965,000 |
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