Call reports 2004
FIRST NATIONAL BANK IN COOPER, THE — 2004
What FIRST NATIONAL BANK IN COOPER, 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 | 18,708,000 | 18,355,000 | 17,542,000 | 17,955,000 |
| Total loans | 5,284,000 | 5,393,000 | 5,327,000 | 5,496,000 |
| Allowance for loan losses | 49,000 | 50,000 | 74,000 | 73,000 |
| Securities available for sale | 6,648,000 | 6,148,000 | 6,185,000 | 6,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,483,000 | 16,305,000 | 15,399,000 | 15,871,000 |
| Interest-bearing deposits | 12,646,000 | 12,487,000 | 11,931,000 | 12,040,000 |
| Noninterest-bearing deposits | 3,837,000 | 3,818,000 | 3,468,000 | 3,831,000 |
| Equity capital | 2,105,000 | 1,983,000 | 2,044,000 | 2,019,000 |
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 | 185,000 | 363,000 | 536,000 | 728,000 |
| Interest expense | 57,000 | 111,000 | 160,000 | 208,000 |
| Net interest income | 128,000 | 252,000 | 376,000 | 520,000 |
| Noninterest income | 32,000 | 64,000 | 99,000 | 135,000 |
| Noninterest expense | 104,000 | 211,000 | 316,000 | 453,000 |
| Provision for loan losses | 0 | 1,000 | 27,000 | 27,000 |
| Pretax income | 56,000 | 104,000 | 132,000 | 175,000 |
| Income tax | 0 | 1,000 | 29,000 | 24,000 |
| Net income | 46,000 | 85,000 | 103,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,966,000 | 1,945,000 | 1,963,000 | 1,971,000 |
| Total capital | 2,015,000 | 1,995,000 | 2,037,000 | 2,044,000 |
| Risk-weighted assets | 18,686,000 | 18,348,000 | 17,492,000 | 17,955,000 |