Call reports 2004
FIRST NATIONAL BANK OF DEER RIVER, THE — 2004
What FIRST NATIONAL BANK OF DEER RIVER, 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 | 14,897,000 | 15,830,000 | 15,479,000 | 16,966,000 |
| Total loans | 6,757,000 | 7,394,000 | 8,805,000 | 9,615,000 |
| Allowance for loan losses | 261,000 | 262,000 | 258,000 | 256,000 |
| Securities available for sale | 2,691,000 | 2,738,000 | 2,730,000 | 1,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,560,000 | 13,476,000 | 13,089,000 | 14,599,000 |
| Interest-bearing deposits | 9,094,000 | 9,316,000 | 9,255,000 | 10,511,000 |
| Noninterest-bearing deposits | 3,466,000 | 4,160,000 | 3,834,000 | 4,088,000 |
| Equity capital | 2,277,000 | 2,273,000 | 2,303,000 | 2,308,000 |
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 | 206,000 | 392,000 | 609,000 | 817,000 |
| Interest expense | 33,000 | 66,000 | 99,000 | 135,000 |
| Net interest income | 173,000 | 326,000 | 510,000 | 682,000 |
| Noninterest income | 41,000 | 105,000 | 140,000 | 175,000 |
| Noninterest expense | 188,000 | 371,000 | 542,000 | 747,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 60,000 | 108,000 | 110,000 |
| Income tax | 11,000 | 27,000 | 47,000 | 34,000 |
| Net income | 15,000 | 33,000 | 61,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,254,000 | 2,272,000 | 2,300,000 | 2,313,000 |
| Total capital | 2,355,000 | 2,379,000 | 2,414,000 | 2,440,000 |
| Risk-weighted assets | 7,941,000 | 8,443,000 | 8,979,000 | 9,994,000 |