Call reports 2004
FIRST NATIONAL BANK OF AMERICA — 2004
What FIRST NATIONAL BANK OF AMERICA 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 | 394,255,000 | 395,892,000 | 346,363,000 | 324,890,000 |
| Total loans | 331,030,000 | 342,042,000 | 287,482,000 | 282,016,000 |
| Allowance for loan losses | 7,639,000 | 7,349,000 | 7,361,000 | 6,835,000 |
| Securities available for sale | 16,303,000 | 18,903,000 | 18,945,000 | 19,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,892,000 | 203,879,000 | 204,671,000 | 177,142,000 |
| Interest-bearing deposits | 197,065,000 | 190,472,000 | 177,030,000 | 165,818,000 |
| Noninterest-bearing deposits | 11,827,000 | 13,407,000 | 27,641,000 | 11,324,000 |
| Equity capital | 72,216,000 | 71,880,000 | 42,336,000 | 44,387,000 |
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 | 11,278,000 | 22,612,000 | 33,989,000 | 43,795,000 |
| Interest expense | 3,764,000 | 7,386,000 | 10,885,000 | 14,202,000 |
| Net interest income | 7,514,000 | 15,226,000 | 23,104,000 | 29,593,000 |
| Noninterest income | 1,155,000 | 2,592,000 | 3,548,000 | 4,329,000 |
| Noninterest expense | 4,515,000 | 9,005,000 | 13,544,000 | 17,536,000 |
| Provision for loan losses | -100,000 | 400,000 | 650,000 | 650,000 |
| Pretax income | 4,254,000 | 8,413,000 | 12,458,000 | 15,736,000 |
| Income tax | 1,464,000 | 2,918,000 | 4,173,000 | 5,314,000 |
| Net income | 2,790,000 | 5,495,000 | 8,285,000 | 10,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,985,000 | 71,890,000 | 42,280,000 | 44,415,000 |
| Total capital | 75,636,000 | 75,555,000 | 45,406,000 | 47,456,000 |
| Risk-weighted assets | 288,093,000 | 289,548,000 | 245,834,000 | 239,481,000 |
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