Call reports 2004
FIRST NATIONAL BANK AMES, IOWA — 2004
What FIRST NATIONAL BANK AMES, IOWA 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 | 406,385,000 | 403,620,000 | 398,774,000 | 436,336,000 |
| Total loans | 179,732,000 | 195,119,000 | 199,140,000 | 209,412,000 |
| Allowance for loan losses | 3,105,000 | 3,265,000 | 3,266,000 | 3,354,000 |
| Securities available for sale | 150,230,000 | 155,370,000 | 155,301,000 | 165,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,832,000 | 333,411,000 | 321,031,000 | 343,352,000 |
| Interest-bearing deposits | 280,326,000 | 286,533,000 | 273,186,000 | 290,278,000 |
| Noninterest-bearing deposits | 51,506,000 | 46,878,000 | 47,845,000 | 53,074,000 |
| Equity capital | 41,547,000 | 38,652,000 | 40,817,000 | 40,482,000 |
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 | 4,225,000 | 8,580,000 | 13,072,000 | 18,121,000 |
| Interest expense | 972,000 | 1,987,000 | 3,127,000 | 4,561,000 |
| Net interest income | 3,253,000 | 6,593,000 | 9,945,000 | 13,560,000 |
| Noninterest income | 736,000 | 1,581,000 | 2,371,000 | 3,114,000 |
| Noninterest expense | 1,640,000 | 3,297,000 | 4,960,000 | 6,762,000 |
| Provision for loan losses | 0 | 165,000 | 40,000 | 137,000 |
| Pretax income | 2,349,000 | 4,712,000 | 7,332,000 | 9,791,000 |
| Income tax | 625,000 | 1,390,000 | 2,110,000 | 2,842,000 |
| Net income | 1,724,000 | 3,322,000 | 5,222,000 | 6,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,782,000 | 38,083,000 | 38,687,000 | 39,119,000 |
| Total capital | 40,887,000 | 41,348,000 | 41,953,000 | 42,473,000 |
| Risk-weighted assets | 259,856,000 | 273,057,000 | 274,788,000 | 289,952,000 |
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