Call reports 2004
FIRST NATIONAL BANK OF CROSSETT — 2004
What FIRST NATIONAL BANK OF CROSSETT 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 | 130,855,000 | 130,304,000 | 129,362,000 | 135,226,000 |
| Total loans | 71,665,000 | 76,024,000 | 79,624,000 | 82,646,000 |
| Allowance for loan losses | 536,000 | 561,000 | 737,000 | 1,026,000 |
| Securities available for sale | 43,573,000 | 40,287,000 | 38,502,000 | 40,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,851,000 | 105,037,000 | 102,665,000 | 108,860,000 |
| Interest-bearing deposits | 84,119,000 | 82,976,000 | 83,144,000 | 88,261,000 |
| Noninterest-bearing deposits | 21,732,000 | 22,061,000 | 19,521,000 | 20,599,000 |
| Equity capital | 12,674,000 | 12,295,000 | 13,176,000 | 13,269,000 |
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 | 3,630,000 | 5,503,000 | 7,407,000 |
| Interest expense | 472,000 | 909,000 | 1,326,000 | 1,747,000 |
| Net interest income | 1,336,000 | 2,721,000 | 4,177,000 | 5,660,000 |
| Noninterest income | 476,000 | 1,020,000 | 1,533,000 | 2,017,000 |
| Noninterest expense | 1,141,000 | 2,309,000 | 3,471,000 | 4,712,000 |
| Provision for loan losses | 45,000 | 90,000 | 285,000 | 680,000 |
| Pretax income | 626,000 | 1,340,000 | 1,953,000 | 2,284,000 |
| Income tax | 173,000 | 434,000 | 641,000 | 722,000 |
| Net income | 453,000 | 906,000 | 1,312,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,412,000 | 12,804,000 | 13,149,000 | 13,338,000 |
| Total capital | 12,948,000 | 13,365,000 | 13,886,000 | 14,364,000 |
| Risk-weighted assets | 84,238,000 | 87,180,000 | 92,273,000 | 93,554,000 |
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