Call reports 2004
FIRST NATIONAL BANK AND TRUST — 2004
What FIRST NATIONAL BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 47,416,000 | 47,391,000 |
| Total loans | 27,274,000 | 27,087,000 |
| Allowance for loan losses | 572,000 | 575,000 |
| Securities available for sale | 13,182,000 | 12,200,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 37,103,000 | 37,019,000 |
| Interest-bearing deposits | 33,256,000 | 33,192,000 |
| Noninterest-bearing deposits | 3,847,000 | 3,827,000 |
| Equity capital | 6,798,000 | 6,720,000 |
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 |
|---|---|---|
| Interest income | 655,000 | 1,291,000 |
| Interest expense | 150,000 | 293,000 |
| Net interest income | 505,000 | 998,000 |
| Noninterest income | 54,000 | 154,000 |
| Noninterest expense | 365,000 | 717,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 388,000 | 629,000 |
| Income tax | -72,000 | 10,000 |
| Net income | 460,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 6,732,000 | 6,891,000 |
| Total capital | 7,138,000 | 7,277,000 |
| Risk-weighted assets | 32,349,000 | 30,955,000 |