Call reports 2004
FIRST NATIONAL BANK OF EMORY, THE — 2004
What FIRST NATIONAL BANK OF EMORY, 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 | 72,966,000 | 72,486,000 | 76,830,000 | 77,561,000 |
| Total loans | 38,576,000 | 39,270,000 | 39,205,000 | 39,103,000 |
| Allowance for loan losses | 590,000 | 608,000 | 571,000 | 632,000 |
| Securities available for sale | 20,302,000 | 18,545,000 | 20,780,000 | 26,680,000 |
| Securities held to maturity | 2,792,000 | 2,748,000 | 3,603,000 | 3,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,072,000 | 63,800,000 | 67,555,000 | 68,922,000 |
| Interest-bearing deposits | 50,934,000 | 49,977,000 | 52,923,000 | 54,617,000 |
| Noninterest-bearing deposits | 13,138,000 | 13,823,000 | 14,632,000 | 14,306,000 |
| Equity capital | 7,551,000 | 7,261,000 | 7,757,000 | 7,340,000 |
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 | 922,000 | 1,844,000 | 2,771,000 | 3,735,000 |
| Interest expense | 203,000 | 405,000 | 610,000 | 838,000 |
| Net interest income | 719,000 | 1,439,000 | 2,161,000 | 2,897,000 |
| Noninterest income | 153,000 | 303,000 | 479,000 | 653,000 |
| Noninterest expense | 536,000 | 1,095,000 | 1,668,000 | 2,290,000 |
| Provision for loan losses | 80,000 | 155,000 | 230,000 | 380,000 |
| Pretax income | 256,000 | 550,000 | 800,000 | 938,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 20,000 |
| Net income | 250,000 | 538,000 | 782,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,208,000 | 7,421,000 | 7,197,000 | 6,962,000 |
| Total capital | 7,711,000 | 7,924,000 | 7,720,000 | 7,485,000 |
| Risk-weighted assets | 40,096,000 | 40,158,000 | 41,775,000 | 41,662,000 |