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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,574,000 | 101,495,000 | 100,826,000 | 112,381,000 |
| Total loans | 55,186,000 | 56,979,000 | 60,896,000 | 61,093,000 |
| Allowance for loan losses | 928,000 | 1,033,000 | 1,058,000 | 1,019,000 |
| Securities available for sale | 7,713,000 | 6,896,000 | 7,759,000 | 8,964,000 |
| Securities held to maturity | 29,268,000 | 28,610,000 | 27,219,000 | 33,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,435,000 | 84,881,000 | 80,918,000 | 94,904,000 |
| Interest-bearing deposits | 62,163,000 | 66,719,000 | 61,634,000 | 66,492,000 |
| Noninterest-bearing deposits | 18,272,000 | 18,162,000 | 19,284,000 | 28,412,000 |
| Equity capital | 14,664,000 | 14,433,000 | 14,698,000 | 14,668,000 |
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 | 1,129,000 | 2,385,000 | 3,644,000 | 4,966,000 |
| Interest expense | 213,000 | 428,000 | 639,000 | 842,000 |
| Net interest income | 916,000 | 1,957,000 | 3,005,000 | 4,124,000 |
| Noninterest income | 315,000 | 653,000 | 986,000 | 1,292,000 |
| Noninterest expense | 854,000 | 1,733,000 | 2,645,000 | 3,664,000 |
| Provision for loan losses | 23,000 | 123,000 | 146,000 | 168,000 |
| Pretax income | 365,000 | 807,000 | 1,253,000 | 1,637,000 |
| Income tax | 20,000 | 45,000 | 71,000 | 90,000 |
| Net income | 345,000 | 762,000 | 1,182,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,527,000 | 14,491,000 | 14,623,000 | 14,659,000 |
| Total capital | 15,289,000 | 15,277,000 | 15,437,000 | 15,513,000 |
| Risk-weighted assets | 60,830,000 | 62,601,000 | 64,857,000 | 68,152,000 |