Call reports 2004
FIRST NATIONAL BANK OF DECATUR, THE — 2004
What FIRST NATIONAL BANK OF DECATUR, 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 |
|---|---|---|---|
| Total assets | 443,434,000 | 433,858,000 | 442,252,000 |
| Total loans | 262,153,000 | 263,637,000 | 265,330,000 |
| Allowance for loan losses | 3,913,000 | 3,999,000 | 4,092,000 |
| Securities available for sale | 100,162,000 | 96,520,000 | 96,937,000 |
| Securities held to maturity | 41,834,000 | 37,301,000 | 32,508,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 348,326,000 | 356,735,000 | 360,326,000 |
| Interest-bearing deposits | 302,809,000 | 307,502,000 | 317,057,000 |
| Noninterest-bearing deposits | 45,517,000 | 49,233,000 | 43,269,000 |
| Equity capital | 33,373,000 | 32,907,000 | 33,904,000 |
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 |
|---|---|---|---|
| Interest income | 5,174,000 | 10,048,000 | 15,055,000 |
| Interest expense | 1,611,000 | 3,202,000 | 4,847,000 |
| Net interest income | 3,563,000 | 6,846,000 | 10,208,000 |
| Noninterest income | 1,247,000 | 2,505,000 | 3,701,000 |
| Noninterest expense | 2,580,000 | 5,186,000 | 7,783,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 |
| Pretax income | 2,110,000 | 3,925,000 | 5,766,000 |
| Income tax | 748,000 | 1,384,000 | 1,995,000 |
| Net income | 1,362,000 | 2,541,000 | 3,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 32,038,000 | 32,722,000 | 33,457,000 |
| Total capital | 35,829,000 | 36,599,000 | 37,337,000 |
| Risk-weighted assets | 303,156,000 | 310,020,000 | 310,155,000 |