Call reports 2004
FIRST NATIONAL BANK OF PROCTOR, THE — 2004
What FIRST NATIONAL BANK OF PROCTOR, 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 | 20,289,000 | 20,185,000 | 20,285,000 | 19,952,000 |
| Total loans | 9,967,000 | 10,010,000 | 10,355,000 | 10,861,000 |
| Allowance for loan losses | 65,000 | 78,000 | 77,000 | 73,000 |
| Securities available for sale | 7,159,000 | 6,369,000 | 6,921,000 | 6,882,000 |
| Securities held to maturity | 86,000 | 86,000 | 74,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,240,000 | 18,306,000 | 18,289,000 | 17,959,000 |
| Interest-bearing deposits | 15,177,000 | 15,237,000 | 15,355,000 | 12,123,000 |
| Noninterest-bearing deposits | 3,063,000 | 3,069,000 | 2,934,000 | 5,836,000 |
| Equity capital | 1,953,000 | 1,857,000 | 1,944,000 | 1,949,000 |
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 | 278,000 | 523,000 | 786,000 | 1,066,000 |
| Interest expense | 53,000 | 105,000 | 157,000 | 211,000 |
| Net interest income | 225,000 | 418,000 | 629,000 | 855,000 |
| Noninterest income | 18,000 | 37,000 | 56,000 | 74,000 |
| Noninterest expense | 192,000 | 384,000 | 560,000 | 790,000 |
| Provision for loan losses | 0 | 14,000 | 15,000 | 15,000 |
| Pretax income | 57,000 | 63,000 | 116,000 | 130,000 |
| Income tax | 23,000 | 26,000 | 36,000 | 33,000 |
| Net income | 34,000 | 37,000 | 80,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,863,000 | 1,866,000 | 1,909,000 | 1,926,000 |
| Total capital | 1,928,000 | 1,944,000 | 1,986,000 | 1,999,000 |
| Risk-weighted assets | 10,438,000 | 10,577,000 | 10,669,000 | 10,772,000 |
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