Call reports 2004
FIRST NATIONAL BANK OF IZARD COUNTY — 2004
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 115,350,000 | 117,355,000 | 117,836,000 | 120,486,000 |
| Total loans | 60,679,000 | 62,007,000 | 62,389,000 | 61,952,000 |
| Allowance for loan losses | 728,000 | 755,000 | 756,000 | 743,000 |
| Securities available for sale | 16,373,000 | 18,937,000 | 21,161,000 | 23,488,000 |
| Securities held to maturity | 10,564,000 | 10,362,000 | 10,161,000 | 9,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,431,000 | 89,347,000 | 88,861,000 | 91,433,000 |
| Interest-bearing deposits | 72,013,000 | 72,589,000 | 73,163,000 | 75,082,000 |
| Noninterest-bearing deposits | 15,418,000 | 16,758,000 | 15,698,000 | 16,351,000 |
| Equity capital | 27,308,000 | 27,564,000 | 28,518,000 | 28,571,000 |
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 | 1,466,000 | 2,918,000 | 4,413,000 | 5,926,000 |
| Interest expense | 296,000 | 600,000 | 916,000 | 1,257,000 |
| Net interest income | 1,170,000 | 2,318,000 | 3,497,000 | 4,669,000 |
| Noninterest income | 259,000 | 584,000 | 883,000 | 1,174,000 |
| Noninterest expense | 655,000 | 1,295,000 | 1,937,000 | 2,980,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 774,000 | 1,607,000 | 2,443,000 | 2,863,000 |
| Income tax | 170,000 | 365,000 | 595,000 | 875,000 |
| Net income | 604,000 | 1,242,000 | 1,848,000 | 1,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,392,000 | 28,031,000 | 28,637,000 | 28,776,000 |
| Total capital | 28,120,000 | 28,786,000 | 29,393,000 | 29,519,000 |
| Risk-weighted assets | 68,105,000 | 69,338,000 | 69,706,000 | 70,031,000 |