Call reports 2004
FIRST NATIONAL BANK OF MCCONNELSVILLE, THE — 2004
What FIRST NATIONAL BANK OF MCCONNELSVILLE, 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 | 81,454,000 | 83,395,000 | 86,456,000 | 85,181,000 |
| Total loans | 65,439,000 | 67,247,000 | 69,149,000 | 70,252,000 |
| Allowance for loan losses | 603,000 | 616,000 | 605,000 | 562,000 |
| Securities available for sale | 5,477,000 | 5,345,000 | 5,416,000 | 4,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,483,000 | 70,121,000 | 73,140,000 | 70,851,000 |
| Interest-bearing deposits | 55,604,000 | 55,456,000 | 58,339,000 | 55,245,000 |
| Noninterest-bearing deposits | 13,879,000 | 14,665,000 | 14,800,000 | 15,606,000 |
| Equity capital | 9,621,000 | 9,529,000 | 9,716,000 | 9,688,000 |
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 | 1,112,000 | 2,283,000 | 3,479,000 | 4,713,000 |
| Interest expense | 278,000 | 557,000 | 859,000 | 1,175,000 |
| Net interest income | 834,000 | 1,726,000 | 2,620,000 | 3,538,000 |
| Noninterest income | 122,000 | 263,000 | 417,000 | 566,000 |
| Noninterest expense | 730,000 | 1,532,000 | 2,359,000 | 3,189,000 |
| Provision for loan losses | 22,000 | 32,000 | 62,000 | 62,000 |
| Pretax income | 204,000 | 425,000 | 616,000 | 869,000 |
| Income tax | 64,000 | 133,000 | 192,000 | 273,000 |
| Net income | 140,000 | 292,000 | 424,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,593,000 | 7,587,000 | 7,718,000 | 7,733,000 |
| Total capital | 8,196,000 | 8,203,000 | 8,323,000 | 8,295,000 |
| Risk-weighted assets | 52,402,000 | 53,116,000 | 53,914,000 | 54,943,000 |
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