Call reports 2004
FIRST NATIONAL BANK OF WELLSTON, THE — 2004
What FIRST NATIONAL BANK OF WELLSTON, 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 | 82,703,000 | 82,427,000 | 81,887,000 | 84,018,000 |
| Total loans | 57,930,000 | 58,155,000 | 58,031,000 | 57,948,000 |
| Allowance for loan losses | 502,000 | 487,000 | 463,000 | 497,000 |
| Securities available for sale | 18,505,000 | 19,206,000 | 18,690,000 | 18,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,260,000 | 71,519,000 | 70,388,000 | 72,756,000 |
| Interest-bearing deposits | 65,258,000 | 65,534,000 | 64,107,000 | 66,266,000 |
| Noninterest-bearing deposits | 6,002,000 | 5,985,000 | 6,281,000 | 6,490,000 |
| Equity capital | 10,955,000 | 10,635,000 | 11,086,000 | 10,939,000 |
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 | 1,235,000 | 2,464,000 | 3,707,000 | 4,963,000 |
| Interest expense | 366,000 | 730,000 | 1,097,000 | 1,479,000 |
| Net interest income | 869,000 | 1,734,000 | 2,610,000 | 3,484,000 |
| Noninterest income | 138,000 | 268,000 | 403,000 | 537,000 |
| Noninterest expense | 689,000 | 1,368,000 | 1,998,000 | 2,754,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 280,000 | 560,000 | 904,000 | 1,118,000 |
| Income tax | 68,000 | 134,000 | 194,000 | 268,000 |
| Net income | 212,000 | 426,000 | 710,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,524,000 | 10,526,000 | 10,810,000 | 10,739,000 |
| Total capital | 11,026,000 | 11,013,000 | 11,273,000 | 11,236,000 |
| Risk-weighted assets | 48,394,000 | 48,645,000 | 47,762,000 | 48,969,000 |
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