Call reports 2004
FIRST NATIONAL BANK OF CLINTON — 2004
What FIRST NATIONAL BANK OF CLINTON 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 | 72,215,000 | 72,488,000 | 74,304,000 | 77,116,000 |
| Total loans | 55,373,000 | 57,288,000 | 59,135,000 | 62,892,000 |
| Allowance for loan losses | 538,000 | 587,000 | 591,000 | 639,000 |
| Securities available for sale | 6,370,000 | 5,835,000 | 5,587,000 | 5,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,530,000 | 65,748,000 | 66,213,000 | 67,918,000 |
| Interest-bearing deposits | 61,095,000 | 61,043,000 | 61,584,000 | 62,990,000 |
| Noninterest-bearing deposits | 4,435,000 | 4,705,000 | 4,629,000 | 4,928,000 |
| Equity capital | 6,138,000 | 6,088,000 | 6,389,000 | 6,488,000 |
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 | 952,000 | 1,943,000 | 2,976,000 | 4,036,000 |
| Interest expense | 231,000 | 442,000 | 660,000 | 893,000 |
| Net interest income | 721,000 | 1,501,000 | 2,316,000 | 3,143,000 |
| Noninterest income | 127,000 | 255,000 | 393,000 | 560,000 |
| Noninterest expense | 535,000 | 1,144,000 | 1,693,000 | 2,360,000 |
| Provision for loan losses | 39,000 | 90,000 | 134,000 | 182,000 |
| Pretax income | 279,000 | 527,000 | 887,000 | 1,166,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 277,000 | 525,000 | 885,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,991,000 | 6,113,000 | 6,324,000 | 6,453,000 |
| Total capital | 6,529,000 | 6,700,000 | 6,915,000 | 7,092,000 |
| Risk-weighted assets | 57,738,000 | 57,727,000 | 59,889,000 | 62,639,000 |
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