Call reports 2004
FIRST NATIONAL BANK OF MERTZON, THE — 2004
What FIRST NATIONAL BANK OF MERTZON, 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 | 129,866,000 | 127,871,000 | 131,302,000 | 139,127,000 |
| Total loans | 31,428,000 | 32,962,000 | 32,920,000 | 31,346,000 |
| Allowance for loan losses | 629,000 | 730,000 | 375,000 | 375,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 86,025,000 | 84,935,000 | 81,690,000 | 89,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,153,000 | 111,870,000 | 114,945,000 | 124,179,000 |
| Interest-bearing deposits | 92,773,000 | 89,341,000 | 92,536,000 | 98,710,000 |
| Noninterest-bearing deposits | 21,380,000 | 22,529,000 | 22,409,000 | 25,469,000 |
| Equity capital | 15,452,000 | 15,814,000 | 16,156,000 | 14,673,000 |
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 | 1,226,000 | 2,516,000 | 3,806,000 | 5,122,000 |
| Interest expense | 180,000 | 363,000 | 553,000 | 767,000 |
| Net interest income | 1,046,000 | 2,153,000 | 3,253,000 | 4,355,000 |
| Noninterest income | 72,000 | 139,000 | 211,000 | 275,000 |
| Noninterest expense | 660,000 | 1,310,000 | 1,962,000 | 2,849,000 |
| Provision for loan losses | 0 | 80,000 | 180,000 | 180,000 |
| Pretax income | 458,000 | 902,000 | 1,322,000 | 1,601,000 |
| Income tax | 57,000 | 139,000 | 217,000 | 301,000 |
| Net income | 401,000 | 763,000 | 1,105,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,452,000 | 15,814,000 | 16,156,000 | 14,673,000 |
| Total capital | 16,053,000 | 16,428,000 | 16,531,000 | 15,048,000 |
| Risk-weighted assets | 47,289,000 | 48,189,000 | 48,071,000 | 47,603,000 |
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