Call reports 2004
FIRST NATIONAL BANK OF MILLSTADT — 2004
What FIRST NATIONAL BANK OF MILLSTADT 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 | 88,417,000 | 86,938,000 | 88,587,000 | 87,689,000 |
| Total loans | 33,537,000 | 35,134,000 | 35,892,000 | 36,350,000 |
| Allowance for loan losses | 438,000 | 439,000 | 442,000 | 435,000 |
| Securities available for sale | 49,192,000 | 47,489,000 | 45,809,000 | 46,752,000 |
| Securities held to maturity | 512,000 | 512,000 | 511,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,010,000 | 75,527,000 | 76,690,000 | 75,887,000 |
| Interest-bearing deposits | 68,823,000 | 67,245,000 | 69,480,000 | 67,773,000 |
| Noninterest-bearing deposits | 7,187,000 | 8,282,000 | 7,211,000 | 8,114,000 |
| Equity capital | 11,871,000 | 11,268,000 | 11,627,000 | 11,627,000 |
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 | 884,000 | 1,777,000 | 2,674,000 | 3,597,000 |
| Interest expense | 285,000 | 551,000 | 821,000 | 1,094,000 |
| Net interest income | 599,000 | 1,226,000 | 1,853,000 | 2,503,000 |
| Noninterest income | 84,000 | 190,000 | 279,000 | 354,000 |
| Noninterest expense | 456,000 | 958,000 | 1,508,000 | 1,950,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 458,000 | 624,000 | 907,000 |
| Income tax | 78,000 | 157,000 | 214,000 | 294,000 |
| Net income | 149,000 | 301,000 | 410,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,315,000 | 11,427,000 | 11,495,000 | 11,659,000 |
| Total capital | 11,753,000 | 11,866,000 | 11,937,000 | 12,094,000 |
| Risk-weighted assets | 36,863,000 | 37,980,000 | 38,531,000 | 39,018,000 |