Call reports 2004
CENTRAL NATIONAL BANK — 2004
What CENTRAL NATIONAL BANK 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 | 379,488,000 | 388,850,000 | 407,571,000 | 414,043,000 |
| Total loans | 270,970,000 | 280,208,000 | 285,225,000 | 289,293,000 |
| Allowance for loan losses | 2,530,000 | 2,532,000 | 2,557,000 | 2,693,000 |
| Securities available for sale | 57,617,000 | 55,966,000 | 49,595,000 | 64,915,000 |
| Securities held to maturity | 9,847,000 | 7,862,000 | 7,705,000 | 7,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,248,000 | 330,961,000 | 356,050,000 | 367,538,000 |
| Interest-bearing deposits | 269,956,000 | 268,767,000 | 294,973,000 | 313,276,000 |
| Noninterest-bearing deposits | 55,292,000 | 62,194,000 | 61,077,000 | 54,262,000 |
| Equity capital | 30,831,000 | 30,143,000 | 30,851,000 | 31,144,000 |
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 | 4,278,000 | 8,581,000 | 13,145,000 | 18,011,000 |
| Interest expense | 1,077,000 | 2,187,000 | 3,464,000 | 4,930,000 |
| Net interest income | 3,201,000 | 6,394,000 | 9,681,000 | 13,081,000 |
| Noninterest income | 486,000 | 985,000 | 1,487,000 | 2,501,000 |
| Noninterest expense | 2,203,000 | 4,429,000 | 6,724,000 | 9,134,000 |
| Provision for loan losses | 91,000 | 152,000 | 255,000 | 395,000 |
| Pretax income | 1,393,000 | 2,798,000 | 4,189,000 | 6,053,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 1,393,000 | 2,798,000 | 4,189,000 | 6,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,795,000 | 30,244,000 | 30,635,000 | 31,421,000 |
| Total capital | 32,325,000 | 32,776,000 | 33,192,000 | 34,114,000 |
| Risk-weighted assets | 259,654,000 | 269,718,000 | 273,860,000 | 279,448,000 |
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