Call reports 2004
FIRST NATIONAL BANK NORTH — 2004
What FIRST NATIONAL BANK NORTH 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 | 225,893,000 | 229,476,000 | 236,949,000 | 232,097,000 |
| Total loans | 163,871,000 | 166,401,000 | 171,071,000 | 175,841,000 |
| Allowance for loan losses | 1,925,000 | 2,056,000 | 2,176,000 | 2,235,000 |
| Securities available for sale | 17,776,000 | 21,735,000 | 27,068,000 | 23,338,000 |
| Securities held to maturity | 24,561,000 | 22,548,000 | 25,449,000 | 23,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,929,000 | 204,972,000 | 211,064,000 | 206,026,000 |
| Interest-bearing deposits | 182,597,000 | 182,008,000 | 188,036,000 | 182,483,000 |
| Noninterest-bearing deposits | 19,332,000 | 22,964,000 | 23,028,000 | 23,543,000 |
| Equity capital | 20,130,000 | 19,851,000 | 20,903,000 | 20,549,000 |
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 | 3,450,000 | 6,839,000 | 10,414,000 | 14,212,000 |
| Interest expense | 1,152,000 | 2,271,000 | 3,400,000 | 4,529,000 |
| Net interest income | 2,298,000 | 4,568,000 | 7,014,000 | 9,683,000 |
| Noninterest income | 473,000 | 1,014,000 | 1,466,000 | 1,908,000 |
| Noninterest expense | 1,393,000 | 2,813,000 | 4,307,000 | 5,825,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,258,000 | 2,529,000 | 3,813,000 | 5,291,000 |
| Income tax | -71,000 | -59,000 | -52,000 | -45,000 |
| Net income | 1,329,000 | 2,588,000 | 3,865,000 | 5,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,428,000 | 19,675,000 | 20,380,000 | 20,250,000 |
| Total capital | 21,353,000 | 21,644,000 | 22,406,000 | 22,308,000 |
| Risk-weighted assets | 154,600,000 | 157,438,000 | 161,908,000 | 164,490,000 |