Call reports 2004
FIRST NATIONAL BANK OF GRANBURY, THE — 2004
What FIRST NATIONAL BANK OF GRANBURY, 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 | 267,791,000 | 268,925,000 | 268,330,000 | 273,433,000 |
| Total loans | 90,720,000 | 95,845,000 | 96,788,000 | 100,418,000 |
| Allowance for loan losses | 885,000 | 894,000 | 983,000 | 953,000 |
| Securities available for sale | 97,825,000 | 94,813,000 | 85,554,000 | 94,015,000 |
| Securities held to maturity | 35,827,000 | 37,245,000 | 35,067,000 | 36,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,384,000 | 242,784,000 | 240,958,000 | 247,069,000 |
| Interest-bearing deposits | 196,067,000 | 196,906,000 | 195,134,000 | 200,079,000 |
| Noninterest-bearing deposits | 44,317,000 | 45,878,000 | 45,824,000 | 46,990,000 |
| Equity capital | 26,091,000 | 25,131,000 | 26,411,000 | 25,563,000 |
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 | 2,893,000 | 5,878,000 | 8,770,000 | 11,726,000 |
| Interest expense | 728,000 | 1,411,000 | 2,101,000 | 2,811,000 |
| Net interest income | 2,165,000 | 4,467,000 | 6,669,000 | 8,915,000 |
| Noninterest income | 790,000 | 1,645,000 | 2,467,000 | 3,326,000 |
| Noninterest expense | 2,274,000 | 4,579,000 | 6,844,000 | 9,620,000 |
| Provision for loan losses | 41,000 | 80,000 | 190,000 | 245,000 |
| Pretax income | 640,000 | 1,506,000 | 2,155,000 | 2,429,000 |
| Income tax | 155,000 | 371,000 | 542,000 | 573,000 |
| Net income | 485,000 | 1,135,000 | 1,613,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,173,000 | 25,823,000 | 26,301,000 | 25,856,000 |
| Total capital | 26,221,000 | 26,880,000 | 27,447,000 | 26,952,000 |
| Risk-weighted assets | 136,629,000 | 141,215,000 | 139,329,000 | 146,488,000 |