Call reports 2004
FIRST NATIONAL BANK OF ALLENDALE, THE — 2004
What FIRST NATIONAL BANK OF ALLENDALE, 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 | 83,230,000 | 84,495,000 | 88,010,000 | 93,833,000 |
| Total loans | 52,862,000 | 54,473,000 | 56,390,000 | 60,261,000 |
| Allowance for loan losses | 671,000 | 684,000 | 698,000 | 684,000 |
| Securities available for sale | 23,365,000 | 25,076,000 | 25,700,000 | 29,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,190,000 | 67,681,000 | 71,085,000 | 73,910,000 |
| Interest-bearing deposits | 57,103,000 | 57,885,000 | 62,511,000 | 64,839,000 |
| Noninterest-bearing deposits | 10,087,000 | 9,796,000 | 8,574,000 | 9,071,000 |
| Equity capital | 10,237,000 | 10,002,000 | 11,402,000 | 11,426,000 |
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 | 1,041,000 | 2,089,000 | 3,177,000 | 4,336,000 |
| Interest expense | 320,000 | 626,000 | 945,000 | 1,289,000 |
| Net interest income | 721,000 | 1,463,000 | 2,232,000 | 3,047,000 |
| Noninterest income | 74,000 | 157,000 | 273,000 | 363,000 |
| Noninterest expense | 515,000 | 1,035,000 | 1,573,000 | 2,154,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 265,000 | 555,000 | 887,000 | 1,203,000 |
| Income tax | 63,000 | 140,000 | 219,000 | 281,000 |
| Net income | 202,000 | 415,000 | 668,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,821,000 | 9,904,000 | 11,157,000 | 11,271,000 |
| Total capital | 10,488,000 | 10,578,000 | 11,855,000 | 11,955,000 |
| Risk-weighted assets | 53,327,000 | 53,889,000 | 56,962,000 | 60,500,000 |
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