Call reports 2004
FIRST NATIONAL BANK OF WAKEFIELD, THE — 2004
What FIRST NATIONAL BANK OF WAKEFIELD, 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 | 47,063,000 | 46,533,000 | 47,245,000 | 45,049,000 |
| Total loans | 28,961,000 | 29,349,000 | 29,113,000 | 29,155,000 |
| Allowance for loan losses | 332,000 | 348,000 | 362,000 | 343,000 |
| Securities available for sale | 5,089,000 | 4,934,000 | 4,535,000 | 5,006,000 |
| Securities held to maturity | 7,143,000 | 7,041,000 | 7,321,000 | 7,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,183,000 | 41,660,000 | 42,137,000 | 40,038,000 |
| Interest-bearing deposits | 35,132,000 | 33,472,000 | 35,202,000 | 32,772,000 |
| Noninterest-bearing deposits | 7,050,000 | 8,188,000 | 6,935,000 | 7,266,000 |
| Equity capital | 4,601,000 | 4,536,000 | 4,729,000 | 4,735,000 |
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 | 714,000 | 1,445,000 | 2,198,000 | 2,923,000 |
| Interest expense | 209,000 | 403,000 | 597,000 | 781,000 |
| Net interest income | 505,000 | 1,042,000 | 1,601,000 | 2,142,000 |
| Noninterest income | 42,000 | 99,000 | 155,000 | 206,000 |
| Noninterest expense | 356,000 | 739,000 | 1,116,000 | 1,547,000 |
| Provision for loan losses | 10,000 | 20,000 | 38,000 | 64,000 |
| Pretax income | 181,000 | 382,000 | 602,000 | 737,000 |
| Income tax | 44,000 | 94,000 | 147,000 | 163,000 |
| Net income | 137,000 | 288,000 | 455,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,555,000 | 4,620,000 | 4,712,000 | 4,747,000 |
| Total capital | 4,879,000 | 4,945,000 | 5,038,000 | 5,071,000 |
| Risk-weighted assets | 25,888,000 | 25,978,000 | 26,023,000 | 25,836,000 |
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