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 | 1,163,243,000 | 1,189,878,000 | 1,214,077,000 | 1,214,836,000 |
| Total loans | 797,707,000 | 839,897,000 | 877,711,000 | 883,206,000 |
| Allowance for loan losses | 15,898,000 | 15,929,000 | 14,999,000 | 12,598,000 |
| Securities available for sale | 119,085,000 | 104,246,000 | 98,368,000 | 89,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 884,286,000 | 858,550,000 | 870,991,000 | 821,718,000 |
| Interest-bearing deposits | 798,308,000 | 783,745,000 | 794,100,000 | 762,028,000 |
| Noninterest-bearing deposits | 85,978,000 | 74,805,000 | 76,891,000 | 59,690,000 |
| Equity capital | 266,350,000 | 256,908,000 | 255,755,000 | 257,390,000 |
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 | 13,695,000 | 29,516,000 | 46,006,000 | 63,584,000 |
| Interest expense | 1,051,000 | 2,138,000 | 3,293,000 | 4,709,000 |
| Net interest income | 12,644,000 | 27,378,000 | 42,713,000 | 58,875,000 |
| Noninterest income | 2,118,000 | 4,347,000 | 6,624,000 | 9,401,000 |
| Noninterest expense | 7,256,000 | 15,607,000 | 23,406,000 | 33,789,000 |
| Provision for loan losses | 0 | 100,000 | 400,000 | -2,165,000 |
| Pretax income | 7,536,000 | 16,048,000 | 25,561,000 | 36,646,000 |
| Income tax | 3,060,000 | 6,533,000 | 10,434,000 | 14,856,000 |
| Net income | 4,476,000 | 9,515,000 | 15,127,000 | 21,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,259,000 | 99,764,000 | 102,263,000 | 104,839,000 |
| Total capital | 118,729,000 | 112,008,000 | 115,064,000 | 117,814,000 |
| Risk-weighted assets | 913,191,000 | 975,809,000 | 1,021,884,000 | 1,035,818,000 |
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