Call reports 2004
FIRST NATIONAL BANK OF MCGREGOR, THE — 2004
What FIRST NATIONAL BANK OF MCGREGOR, 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 | 67,465,000 | 66,366,000 | 67,694,000 | 68,544,000 |
| Total loans | 48,759,000 | 48,729,000 | 50,615,000 | 52,897,000 |
| Allowance for loan losses | 847,000 | 834,000 | 798,000 | 792,000 |
| Securities available for sale | 6,025,000 | 7,937,000 | 7,956,000 | 7,917,000 |
| Securities held to maturity | 467,000 | 461,000 | 273,000 | 267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,548,000 | 60,438,000 | 61,647,000 | 62,464,000 |
| Interest-bearing deposits | 52,813,000 | 51,185,000 | 53,397,000 | 54,039,000 |
| Noninterest-bearing deposits | 8,735,000 | 9,253,000 | 8,250,000 | 8,425,000 |
| Equity capital | 5,769,000 | 5,795,000 | 5,835,000 | 5,918,000 |
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 | 869,000 | 1,724,000 | 2,605,000 | 3,537,000 |
| Interest expense | 271,000 | 535,000 | 793,000 | 1,079,000 |
| Net interest income | 598,000 | 1,189,000 | 1,812,000 | 2,458,000 |
| Noninterest income | 121,000 | 236,000 | 309,000 | 403,000 |
| Noninterest expense | 612,000 | 1,203,000 | 1,842,000 | 2,420,000 |
| Provision for loan losses | 11,000 | 0 | 0 | 0 |
| Pretax income | 96,000 | 222,000 | 279,000 | 441,000 |
| Income tax | 32,000 | 75,000 | 106,000 | 161,000 |
| Net income | 64,000 | 147,000 | 173,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,763,000 | 5,846,000 | 5,872,000 | 5,979,000 |
| Total capital | 6,305,000 | 6,384,000 | 6,420,000 | 6,552,000 |
| Risk-weighted assets | 43,035,000 | 42,713,000 | 43,565,000 | 45,582,000 |
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