Call reports 2004
FIRST NATIONAL BANK IN ORD — 2004
What FIRST NATIONAL BANK IN ORD 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 | 76,516,000 | 75,396,000 | 76,827,000 | 76,708,000 |
| Total loans | 41,925,000 | 42,972,000 | 44,425,000 | 45,540,000 |
| Allowance for loan losses | 788,000 | 805,000 | 850,000 | 869,000 |
| Securities available for sale | 22,540,000 | 24,049,000 | 22,965,000 | 20,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,529,000 | 61,391,000 | 62,072,000 | 61,276,000 |
| Interest-bearing deposits | 54,711,000 | 53,552,000 | 51,978,000 | 51,245,000 |
| Noninterest-bearing deposits | 7,818,000 | 7,839,000 | 10,094,000 | 10,031,000 |
| Equity capital | 9,208,000 | 8,838,000 | 9,078,000 | 8,885,000 |
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 | 922,000 | 1,843,000 | 2,801,000 | 3,795,000 |
| Interest expense | 256,000 | 505,000 | 751,000 | 1,008,000 |
| Net interest income | 666,000 | 1,338,000 | 2,050,000 | 2,787,000 |
| Noninterest income | 70,000 | 134,000 | 226,000 | 308,000 |
| Noninterest expense | 479,000 | 963,000 | 1,440,000 | 1,977,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 242,000 | 482,000 | 794,000 | 1,077,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 28,000 |
| Net income | 235,000 | 468,000 | 773,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,870,000 | 8,870,000 | 8,942,000 | 8,869,000 |
| Total capital | 9,499,000 | 9,494,000 | 9,581,000 | 9,507,000 |
| Risk-weighted assets | 50,142,000 | 49,766,000 | 50,913,000 | 50,813,000 |
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