Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL BANK 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 | 397,010,000 | 407,262,000 | 413,135,000 | 414,893,000 |
| Total loans | 347,554,000 | 358,056,000 | 368,187,000 | 370,648,000 |
| Allowance for loan losses | 1,826,000 | 1,838,000 | 1,899,000 | 1,900,000 |
| Securities available for sale | 2,086,000 | 2,056,000 | 2,057,000 | 2,044,000 |
| Securities held to maturity | 24,412,000 | 24,027,000 | 18,225,000 | 17,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,505,000 | 340,269,000 | 349,427,000 | 353,648,000 |
| Interest-bearing deposits | 296,565,000 | 291,818,000 | 297,366,000 | 299,674,000 |
| Noninterest-bearing deposits | 44,940,000 | 48,451,000 | 52,061,000 | 53,974,000 |
| Equity capital | 32,431,000 | 33,913,000 | 34,350,000 | 34,749,000 |
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 | 5,620,000 | 11,304,000 | 17,226,000 | 23,396,000 |
| Interest expense | 1,540,000 | 3,053,000 | 4,673,000 | 6,415,000 |
| Net interest income | 4,080,000 | 8,251,000 | 12,553,000 | 16,981,000 |
| Noninterest income | 360,000 | 720,000 | 1,072,000 | 1,145,000 |
| Noninterest expense | 2,298,000 | 4,582,000 | 6,882,000 | 9,303,000 |
| Provision for loan losses | 285,000 | 445,000 | 573,000 | 628,000 |
| Pretax income | 1,857,000 | 3,944,000 | 6,170,000 | 8,195,000 |
| Income tax | 574,000 | 1,289,000 | 2,146,000 | 2,827,000 |
| Net income | 1,283,000 | 2,655,000 | 4,024,000 | 5,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,144,000 | 32,641,000 | 33,074,000 | 33,481,000 |
| Total capital | 32,970,000 | 34,479,000 | 34,973,000 | 35,381,000 |
| Risk-weighted assets | 315,640,000 | 326,249,000 | 334,785,000 | 338,908,000 |
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