Call reports 2004
FIRST NATIONAL BANK OF CARMI, THE — 2004
What FIRST NATIONAL BANK OF CARMI, 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 | 196,710,000 | 191,034,000 | 192,638,000 | 192,660,000 |
| Total loans | 129,103,000 | 130,827,000 | 130,620,000 | 124,545,000 |
| Allowance for loan losses | 1,966,000 | 2,004,000 | 2,074,000 | 1,913,000 |
| Securities available for sale | 40,919,000 | 38,270,000 | 40,772,000 | 43,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,406,000 | 172,650,000 | 173,242,000 | 173,236,000 |
| Interest-bearing deposits | 154,630,000 | 151,711,000 | 150,119,000 | 148,893,000 |
| Noninterest-bearing deposits | 22,776,000 | 20,939,000 | 23,123,000 | 24,344,000 |
| Equity capital | 18,293,000 | 17,692,000 | 18,327,000 | 18,469,000 |
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 | 2,383,000 | 4,812,000 | 7,214,000 | 9,676,000 |
| Interest expense | 760,000 | 1,494,000 | 2,229,000 | 2,933,000 |
| Net interest income | 1,623,000 | 3,318,000 | 4,985,000 | 6,743,000 |
| Noninterest income | 461,000 | 1,025,000 | 1,510,000 | 1,715,000 |
| Noninterest expense | 1,485,000 | 2,944,000 | 4,476,000 | 6,068,000 |
| Provision for loan losses | 170,000 | 509,000 | 589,000 | 546,000 |
| Pretax income | 429,000 | 890,000 | 1,429,000 | 1,844,000 |
| Income tax | 135,000 | 285,000 | 468,000 | 516,000 |
| Net income | 294,000 | 605,000 | 961,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,546,000 | 14,779,000 | 14,910,000 | 15,141,000 |
| Total capital | 16,243,000 | 16,512,000 | 16,610,000 | 16,779,000 |
| Risk-weighted assets | 136,009,000 | 138,321,000 | 135,578,000 | 130,714,000 |
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