Call reports 2004
FIRST NATIONAL BANK OF NEWPORT — 2004
What FIRST NATIONAL BANK OF NEWPORT 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 | 123,716,000 | 124,556,000 | 126,245,000 | 124,777,000 |
| Total loans | 68,432,000 | 67,029,000 | 67,989,000 | 68,555,000 |
| Allowance for loan losses | 1,007,000 | 1,009,000 | 1,005,000 | 948,000 |
| Securities available for sale | 44,360,000 | 48,219,000 | 47,307,000 | 46,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,386,000 | 107,788,000 | 108,738,000 | 108,191,000 |
| Interest-bearing deposits | 97,497,000 | 99,284,000 | 100,067,000 | 99,491,000 |
| Noninterest-bearing deposits | 8,889,000 | 8,504,000 | 8,671,000 | 8,700,000 |
| Equity capital | 12,949,000 | 12,447,000 | 13,085,000 | 13,134,000 |
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 | 1,595,000 | 3,163,000 | 4,765,000 | 6,354,000 |
| Interest expense | 525,000 | 1,043,000 | 1,558,000 | 2,076,000 |
| Net interest income | 1,070,000 | 2,120,000 | 3,207,000 | 4,278,000 |
| Noninterest income | 252,000 | 518,000 | 768,000 | 1,042,000 |
| Noninterest expense | 812,000 | 1,649,000 | 2,513,000 | 3,410,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 529,000 | 1,004,000 | 1,483,000 | 1,937,000 |
| Income tax | 112,000 | 201,000 | 282,000 | 361,000 |
| Net income | 417,000 | 803,000 | 1,201,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,437,000 | 12,659,000 | 12,892,000 | 13,100,000 |
| Total capital | 13,295,000 | 13,506,000 | 13,741,000 | 13,954,000 |
| Risk-weighted assets | 68,481,000 | 67,558,000 | 67,694,000 | 68,188,000 |