Call reports 2004
PRESTON NATIONAL BANK — 2004
What PRESTON NATIONAL BANK 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 | 50,014,000 | 48,364,000 | 48,208,000 | 48,070,000 |
| Total loans | 41,445,000 | 42,488,000 | 42,113,000 | 43,193,000 |
| Allowance for loan losses | 390,000 | 438,000 | 431,000 | 477,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,392,000 | 42,078,000 | 41,923,000 | 41,465,000 |
| Interest-bearing deposits | 28,036,000 | 28,317,000 | 26,661,000 | 26,233,000 |
| Noninterest-bearing deposits | 16,356,000 | 13,761,000 | 15,262,000 | 15,232,000 |
| Equity capital | 4,530,000 | 4,829,000 | 5,123,000 | 5,311,000 |
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 | 739,000 | 1,506,000 | 2,279,000 | 3,097,000 |
| Interest expense | 121,000 | 243,000 | 368,000 | 493,000 |
| Net interest income | 618,000 | 1,263,000 | 1,911,000 | 2,604,000 |
| Noninterest income | 211,000 | 489,000 | 731,000 | 982,000 |
| Noninterest expense | 558,000 | 1,137,000 | 1,688,000 | 2,399,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 226,000 | 525,000 | 819,000 | 1,007,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 525,000 | 819,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,423,000 | 4,722,000 | 5,016,000 | 5,204,000 |
| Total capital | 4,813,000 | 5,160,000 | 5,447,000 | 5,681,000 |
| Risk-weighted assets | 37,503,000 | 37,316,000 | 37,282,000 | 38,197,000 |