Call reports 2004
FIRST NATIONAL BANK & TRUST CO. IN LARNED — 2004
What FIRST NATIONAL BANK & TRUST CO. IN LARNED 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 | 67,722,000 | 64,743,000 | 62,153,000 | 62,091,000 |
| Total loans | 36,000,000 | 34,516,000 | 31,465,000 | 29,097,000 |
| Allowance for loan losses | 799,000 | 1,242,000 | 1,287,000 | 1,030,000 |
| Securities available for sale | 18,271,000 | 20,424,000 | 21,681,000 | 21,970,000 |
| Securities held to maturity | 6,136,000 | 5,667,000 | 4,850,000 | 4,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,252,000 | 56,665,000 | 53,847,000 | 53,905,000 |
| Interest-bearing deposits | 48,501,000 | 48,202,000 | 45,208,000 | 45,814,000 |
| Noninterest-bearing deposits | 8,751,000 | 8,463,000 | 8,639,000 | 8,091,000 |
| Equity capital | 5,618,000 | 4,933,000 | 5,104,000 | 5,041,000 |
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 | 783,000 | 1,526,000 | 2,265,000 | 2,991,000 |
| Interest expense | 259,000 | 617,000 | 852,000 | 1,083,000 |
| Net interest income | 524,000 | 909,000 | 1,413,000 | 1,908,000 |
| Noninterest income | 74,000 | 147,000 | 213,000 | 338,000 |
| Noninterest expense | 595,000 | 1,179,000 | 1,744,000 | 2,326,000 |
| Provision for loan losses | 100,000 | 700,000 | 732,000 | 747,000 |
| Pretax income | -60,000 | -786,000 | -813,000 | -790,000 |
| Income tax | 8,000 | -309,000 | -309,000 | -280,000 |
| Net income | -68,000 | -477,000 | -504,000 | -510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,276,000 | 4,873,000 | 4,852,000 | 4,853,000 |
| Total capital | 5,810,000 | 5,389,000 | 5,335,000 | 5,313,000 |
| Risk-weighted assets | 42,480,000 | 40,688,000 | 37,813,000 | 36,200,000 |