Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL BANK 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 | 89,729,000 | 90,816,000 | 88,158,000 | 87,969,000 |
| Total loans | 64,048,000 | 65,541,000 | 64,214,000 | 62,370,000 |
| Allowance for loan losses | 1,037,000 | 1,067,000 | 1,100,000 | 1,079,000 |
| Securities available for sale | 20,555,000 | 19,879,000 | 18,659,000 | 19,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,574,000 | 76,681,000 | 74,928,000 | 74,938,000 |
| Interest-bearing deposits | 70,992,000 | 69,425,000 | 67,974,000 | 66,453,000 |
| Noninterest-bearing deposits | 7,582,000 | 7,256,000 | 6,954,000 | 8,485,000 |
| Equity capital | 7,571,000 | 7,359,000 | 7,457,000 | 7,393,000 |
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 | 1,234,000 | 2,420,000 | 3,628,000 | 4,846,000 |
| Interest expense | 309,000 | 615,000 | 925,000 | 1,237,000 |
| Net interest income | 925,000 | 1,805,000 | 2,703,000 | 3,609,000 |
| Noninterest income | 122,000 | 266,000 | 403,000 | 530,000 |
| Noninterest expense | 665,000 | 1,317,000 | 1,991,000 | 2,663,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 87,000 |
| Pretax income | 358,000 | 706,000 | 1,043,000 | 1,389,000 |
| Income tax | 9,000 | 18,000 | 28,000 | 36,000 |
| Net income | 349,000 | 688,000 | 1,015,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,328,000 | 7,366,000 | 7,344,000 | 7,331,000 |
| Total capital | 8,120,000 | 8,179,000 | 8,148,000 | 8,122,000 |
| Risk-weighted assets | 63,140,000 | 64,833,000 | 64,026,000 | 62,986,000 |