Call reports 2004
FIRST NATIONAL BANK OF AVA, THE — 2004
What FIRST NATIONAL BANK OF AVA, 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 | 42,049,000 | 42,604,000 | 41,782,000 | 42,439,000 |
| Total loans | 26,849,000 | 27,294,000 | 27,557,000 | 28,805,000 |
| Allowance for loan losses | 561,000 | 542,000 | 546,000 | 569,000 |
| Securities available for sale | 8,268,000 | 9,325,000 | 5,134,000 | 5,550,000 |
| Securities held to maturity | 3,070,000 | 3,134,000 | 5,256,000 | 5,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,932,000 | 37,634,000 | 36,654,000 | 36,980,000 |
| Interest-bearing deposits | 33,299,000 | 33,410,000 | 32,263,000 | 32,825,000 |
| Noninterest-bearing deposits | 3,633,000 | 4,224,000 | 4,391,000 | 4,155,000 |
| Equity capital | 4,870,000 | 4,836,000 | 4,960,000 | 5,003,000 |
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 | 640,000 | 1,295,000 | 1,950,000 | 2,605,000 |
| Interest expense | 210,000 | 421,000 | 632,000 | 843,000 |
| Net interest income | 430,000 | 874,000 | 1,318,000 | 1,762,000 |
| Noninterest income | 47,000 | 72,000 | 110,000 | 139,000 |
| Noninterest expense | 293,000 | 592,000 | 905,000 | 1,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 184,000 | 354,000 | 523,000 | 707,000 |
| Income tax | 55,000 | 103,000 | 149,000 | 198,000 |
| Net income | 129,000 | 251,000 | 374,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,839,000 | 4,892,000 | 4,948,000 | 5,003,000 |
| Total capital | 5,184,000 | 5,239,000 | 5,303,000 | 5,371,000 |
| Risk-weighted assets | 26,699,000 | 27,412,000 | 27,842,000 | 29,006,000 |