Call reports 2004
CENTRAL NATIONAL BANK — 2004
What CENTRAL 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 | 569,036,000 | 551,142,000 | 569,087,000 | 568,384,000 |
| Total loans | 344,929,000 | 356,355,000 | 364,348,000 | 371,396,000 |
| Allowance for loan losses | 5,533,000 | 5,572,000 | 5,705,000 | 5,503,000 |
| Securities available for sale | 152,901,000 | 134,050,000 | 109,867,000 | 121,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,564,000 | 466,812,000 | 481,572,000 | 483,274,000 |
| Interest-bearing deposits | 407,525,000 | 394,498,000 | 411,740,000 | 400,520,000 |
| Noninterest-bearing deposits | 76,039,000 | 72,314,000 | 69,832,000 | 82,754,000 |
| Equity capital | 64,876,000 | 64,301,000 | 66,008,000 | 61,233,000 |
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 | 6,787,000 | 13,792,000 | 20,638,000 | 27,690,000 |
| Interest expense | 1,926,000 | 3,780,000 | 5,677,000 | 7,675,000 |
| Net interest income | 4,861,000 | 10,012,000 | 14,961,000 | 20,015,000 |
| Noninterest income | 2,034,000 | 4,317,000 | 6,863,000 | 9,443,000 |
| Noninterest expense | 4,847,000 | 9,812,000 | 14,944,000 | 20,805,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 2,048,000 | 4,509,000 | 6,803,000 | 8,566,000 |
| Income tax | 501,000 | 1,087,000 | 1,493,000 | 1,876,000 |
| Net income | 1,547,000 | 3,422,000 | 5,310,000 | 6,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,079,000 | 61,213,000 | 62,321,000 | 58,063,000 |
| Total capital | 65,184,000 | 66,398,000 | 67,689,000 | 63,444,000 |
| Risk-weighted assets | 408,084,000 | 414,436,000 | 429,086,000 | 430,346,000 |