Call reports 2004
NATIONAL BANK OF DELAWARE COUNTY, WALTON — 2004
What NATIONAL BANK OF DELAWARE COUNTY, WALTON 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 | 156,739,000 | 153,725,000 | 160,713,000 | 159,845,000 |
| Total loans | 60,091,000 | 61,932,000 | 63,051,000 | 64,137,000 |
| Allowance for loan losses | 699,000 | 754,000 | 846,000 | 847,000 |
| Securities available for sale | 72,843,000 | 71,065,000 | 71,255,000 | 70,197,000 |
| Securities held to maturity | 5,692,000 | 4,600,000 | 4,732,000 | 6,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,635,000 | 130,681,000 | 136,533,000 | 135,720,000 |
| Interest-bearing deposits | 117,906,000 | 114,009,000 | 118,815,000 | 116,703,000 |
| Noninterest-bearing deposits | 14,729,000 | 16,672,000 | 17,718,000 | 19,017,000 |
| Equity capital | 22,276,000 | 21,269,000 | 22,266,000 | 21,936,000 |
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 | 1,808,000 | 3,653,000 | 5,514,000 | 7,422,000 |
| Interest expense | 433,000 | 816,000 | 1,198,000 | 1,585,000 |
| Net interest income | 1,375,000 | 2,837,000 | 4,316,000 | 5,837,000 |
| Noninterest income | 173,000 | 313,000 | 449,000 | 583,000 |
| Noninterest expense | 992,000 | 2,031,000 | 3,059,000 | 4,191,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 30,000 |
| Pretax income | 553,000 | 1,082,000 | 1,652,000 | 2,165,000 |
| Income tax | 117,000 | 269,000 | 449,000 | 489,000 |
| Net income | 436,000 | 813,000 | 1,203,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,166,000 | 21,086,000 | 21,480,000 | 21,330,000 |
| Total capital | 21,865,000 | 21,840,000 | 22,326,000 | 22,177,000 |
| Risk-weighted assets | 76,608,000 | 77,979,000 | 80,855,000 | 81,425,000 |
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