Call reports 2004
FIRST NATIONAL BANK AT DARLINGTON — 2004
What FIRST NATIONAL BANK AT DARLINGTON 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 | 63,491,000 | 62,324,000 | 61,860,000 | 65,525,000 |
| Total loans | 33,410,000 | 34,946,000 | 37,336,000 | 37,117,000 |
| Allowance for loan losses | 448,000 | 467,000 | 483,000 | 500,000 |
| Securities available for sale | 20,948,000 | 21,353,000 | 21,925,000 | 20,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,416,000 | 54,690,000 | 52,075,000 | 57,521,000 |
| Interest-bearing deposits | 46,998,000 | 48,974,000 | 47,431,000 | 50,310,000 |
| Noninterest-bearing deposits | 8,418,000 | 5,716,000 | 4,644,000 | 7,211,000 |
| Equity capital | 7,697,000 | 7,444,000 | 7,768,000 | 7,759,000 |
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 | 707,000 | 1,430,000 | 2,232,000 | 3,039,000 |
| Interest expense | 245,000 | 492,000 | 743,000 | 1,012,000 |
| Net interest income | 462,000 | 938,000 | 1,489,000 | 2,027,000 |
| Noninterest income | 96,000 | 206,000 | 301,000 | 399,000 |
| Noninterest expense | 422,000 | 834,000 | 1,248,000 | 1,659,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 121,000 | 280,000 | 497,000 | 707,000 |
| Income tax | 6,000 | 32,000 | 89,000 | 146,000 |
| Net income | 115,000 | 248,000 | 408,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,218,000 | 7,301,000 | 7,461,000 | 7,565,000 |
| Total capital | 7,666,000 | 7,768,000 | 7,944,000 | 8,065,000 |
| Risk-weighted assets | 43,625,000 | 42,870,000 | 41,773,000 | 45,459,000 |