Call reports 2004
FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION — 2004
What FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION 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 | 192,607,000 | 192,331,000 | 197,368,000 | 197,763,000 |
| Total loans | 138,871,000 | 146,048,000 | 151,198,000 | 151,852,000 |
| Allowance for loan losses | 1,665,000 | 1,813,000 | 1,915,000 | 1,800,000 |
| Securities available for sale | 27,725,000 | 32,778,000 | 31,272,000 | 29,414,000 |
| Securities held to maturity | 771,000 | 681,000 | 671,000 | 349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,787,000 | 171,241,000 | 174,519,000 | 176,648,000 |
| Interest-bearing deposits | 153,949,000 | 152,168,000 | 156,892,000 | 156,263,000 |
| Noninterest-bearing deposits | 17,838,000 | 19,073,000 | 17,627,000 | 20,385,000 |
| Equity capital | 19,955,000 | 19,961,000 | 20,386,000 | 20,471,000 |
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 | 2,508,000 | 5,035,000 | 7,628,000 | 10,252,000 |
| Interest expense | 766,000 | 1,504,000 | 2,251,000 | 3,051,000 |
| Net interest income | 1,742,000 | 3,531,000 | 5,377,000 | 7,201,000 |
| Noninterest income | 332,000 | 694,000 | 982,000 | 1,225,000 |
| Noninterest expense | 1,327,000 | 2,571,000 | 3,927,000 | 5,187,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 1,230,000 |
| Pretax income | 537,000 | 1,227,000 | 1,795,000 | 2,002,000 |
| Income tax | 184,000 | 423,000 | 616,000 | 684,000 |
| Net income | 353,000 | 804,000 | 1,179,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,488,000 | 18,996,000 | 19,239,000 | 19,440,000 |
| Total capital | 20,153,000 | 20,809,000 | 21,141,000 | 21,240,000 |
| Risk-weighted assets | 146,540,000 | 152,006,000 | 152,131,000 | 154,205,000 |