Call reports 2004
FIRST NATIONAL BANK OF DECATUR COUNTY — 2004
What FIRST NATIONAL BANK OF DECATUR COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Total assets | 18,287,000 | 25,372,000 | 36,110,000 |
| Total loans | 12,758,000 | 20,255,000 | 24,315,000 |
| Allowance for loan losses | 128,000 | 201,000 | 250,000 |
| Securities available for sale | 1,450,000 | 1,755,000 | 3,094,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 13,750,000 | 20,937,000 | 30,621,000 |
| Interest-bearing deposits | 10,070,000 | 16,461,000 | 22,653,000 |
| Noninterest-bearing deposits | 3,680,000 | 4,476,000 | 7,968,000 |
| Equity capital | 4,518,000 | 4,398,000 | 5,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Interest income | 164,000 | 467,000 | 820,000 |
| Interest expense | 25,000 | 81,000 | 181,000 |
| Net interest income | 139,000 | 386,000 | 639,000 |
| Noninterest income | 10,000 | 38,000 | 129,000 |
| Noninterest expense | 421,000 | 749,000 | 1,017,000 |
| Provision for loan losses | 128,000 | 201,000 | 250,000 |
| Pretax income | -400,000 | -518,000 | -499,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -400,000 | -518,000 | -499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Tier 1 capital | 4,520,000 | 4,393,000 | 5,421,000 |
| Total capital | 4,648,000 | 4,594,000 | 5,671,000 |
| Risk-weighted assets | 13,450,000 | 19,879,000 | 24,743,000 |