Call reports 2004
FIRST NATIONAL BANK OF WAUCHULA — 2004
What FIRST NATIONAL BANK OF WAUCHULA 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 | 74,937,000 | 80,531,000 | 82,743,000 | 85,552,000 |
| Total loans | 51,622,000 | 53,474,000 | 49,368,000 | 50,279,000 |
| Allowance for loan losses | 525,000 | 625,000 | 624,000 | 542,000 |
| Securities available for sale | 12,046,000 | 11,715,000 | 11,993,000 | 17,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,711,000 | 70,341,000 | 72,203,000 | 74,726,000 |
| Interest-bearing deposits | 53,128,000 | 59,994,000 | 56,740,000 | 55,676,000 |
| Noninterest-bearing deposits | 11,583,000 | 10,347,000 | 15,463,000 | 19,050,000 |
| Equity capital | 9,300,000 | 9,212,000 | 9,534,000 | 9,578,000 |
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 | 1,110,000 | 2,239,000 | 3,350,000 | 4,504,000 |
| Interest expense | 268,000 | 536,000 | 798,000 | 1,057,000 |
| Net interest income | 842,000 | 1,703,000 | 2,552,000 | 3,447,000 |
| Noninterest income | 82,000 | 296,000 | 355,000 | 598,000 |
| Noninterest expense | 697,000 | 1,453,000 | 2,128,000 | 3,109,000 |
| Provision for loan losses | 0 | 154,000 | 170,000 | 182,000 |
| Pretax income | 227,000 | 392,000 | 609,000 | 754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | 392,000 | 609,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,034,000 | 9,208,000 | 9,416,000 | 9,561,000 |
| Total capital | 9,559,000 | 9,833,000 | 10,021,000 | 10,103,000 |
| Risk-weighted assets | 49,974,000 | 51,831,000 | 48,348,000 | 49,486,000 |