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 | 178,619,000 | 187,778,000 | 195,527,000 | 198,343,000 |
| Total loans | 145,447,000 | 149,437,000 | 151,952,000 | 152,861,000 |
| Allowance for loan losses | 1,289,000 | 1,393,000 | 1,290,000 | 1,427,000 |
| Securities available for sale | 18,394,000 | 21,613,000 | 29,019,000 | 29,576,000 |
| Securities held to maturity | 4,396,000 | 4,199,000 | 4,198,000 | 3,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,863,000 | 156,724,000 | 161,015,000 | 164,436,000 |
| Interest-bearing deposits | 130,501,000 | 137,554,000 | 140,498,000 | 145,105,000 |
| Noninterest-bearing deposits | 17,362,000 | 19,170,000 | 20,517,000 | 19,331,000 |
| Equity capital | 15,545,000 | 15,612,000 | 16,218,000 | 16,573,000 |
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 | 2,261,000 | 4,572,000 | 7,069,000 | 9,746,000 |
| Interest expense | 580,000 | 1,158,000 | 1,809,000 | 2,531,000 |
| Net interest income | 1,681,000 | 3,414,000 | 5,260,000 | 7,215,000 |
| Noninterest income | 259,000 | 521,000 | 829,000 | 1,149,000 |
| Noninterest expense | 1,189,000 | 2,371,000 | 3,573,000 | 4,812,000 |
| Provision for loan losses | 120,000 | 240,000 | 385,000 | 530,000 |
| Pretax income | 664,000 | 1,368,000 | 2,119,000 | 2,998,000 |
| Income tax | 228,000 | 448,000 | 713,000 | 1,017,000 |
| Net income | 436,000 | 920,000 | 1,406,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,517,000 | 15,869,000 | 16,223,000 | 16,668,000 |
| Total capital | 16,806,000 | 17,262,000 | 17,513,000 | 18,095,000 |
| Risk-weighted assets | 130,871,000 | 139,095,000 | 143,311,000 | 143,778,000 |