Call reports 2004
FALLS CITY NATIONAL BANK, THE — 2004
What FALLS CITY NATIONAL BANK, 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 | 103,691,000 | 102,485,000 | 102,544,000 | 104,260,000 |
| Total loans | 45,313,000 | 49,879,000 | 52,463,000 | 52,039,000 |
| Allowance for loan losses | 116,000 | 120,000 | 136,000 | 130,000 |
| Securities available for sale | 8,053,000 | 6,629,000 | 6,099,000 | 5,643,000 |
| Securities held to maturity | 27,903,000 | 28,519,000 | 26,846,000 | 26,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,467,000 | 90,927,000 | 90,547,000 | 92,547,000 |
| Interest-bearing deposits | 77,037,000 | 73,297,000 | 72,706,000 | 75,787,000 |
| Noninterest-bearing deposits | 15,431,000 | 17,630,000 | 17,841,000 | 16,759,000 |
| Equity capital | 10,824,000 | 11,129,000 | 11,483,000 | 11,455,000 |
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 | 1,236,000 | 2,528,000 | 3,888,000 | 5,281,000 |
| Interest expense | 338,000 | 668,000 | 989,000 | 1,321,000 |
| Net interest income | 898,000 | 1,860,000 | 2,899,000 | 3,960,000 |
| Noninterest income | 84,000 | 166,000 | 279,000 | 362,000 |
| Noninterest expense | 471,000 | 924,000 | 1,463,000 | 2,211,000 |
| Provision for loan losses | 0 | 35,000 | 80,000 | 100,000 |
| Pretax income | 511,000 | 1,067,000 | 1,635,000 | 2,011,000 |
| Income tax | 137,000 | 288,000 | 446,000 | 545,000 |
| Net income | 374,000 | 779,000 | 1,189,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,732,000 | 11,137,000 | 11,447,000 | 11,425,000 |
| Total capital | 10,848,000 | 11,257,000 | 11,583,000 | 11,555,000 |
| Risk-weighted assets | 50,640,000 | 53,062,000 | 54,810,000 | 52,996,000 |