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 | 38,450,000 | 37,690,000 | 34,908,000 | 31,479,000 |
| Total loans | 27,215,000 | 25,206,000 | 22,995,000 | 20,350,000 |
| Allowance for loan losses | 2,300,000 | 2,667,000 | 3,206,000 | 1,216,000 |
| Securities available for sale | 5,731,000 | 7,371,000 | 7,106,000 | 5,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,175,000 | 36,411,000 | 32,962,000 | 29,501,000 |
| Interest-bearing deposits | 30,643,000 | 29,486,000 | 25,726,000 | 22,943,000 |
| Noninterest-bearing deposits | 4,532,000 | 6,924,000 | 7,236,000 | 6,558,000 |
| Equity capital | 3,144,000 | 1,008,000 | 1,631,000 | 1,697,000 |
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 | 544,000 | 869,000 | 1,336,000 | 1,716,000 |
| Interest expense | 184,000 | 390,000 | 555,000 | 670,000 |
| Net interest income | 360,000 | 479,000 | 781,000 | 1,046,000 |
| Noninterest income | -54,000 | -228,000 | -217,000 | -208,000 |
| Noninterest expense | 390,000 | 1,014,000 | 1,417,000 | 2,202,000 |
| Provision for loan losses | 60,000 | 2,920,000 | 3,560,000 | 3,789,000 |
| Pretax income | -144,000 | -3,683,000 | -4,413,000 | -5,153,000 |
| Income tax | -49,000 | -1,252,000 | -1,501,000 | -1,752,000 |
| Net income | -95,000 | -2,431,000 | -2,912,000 | -3,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,506,000 | 112,000 | 434,000 | 303,000 |
| Total capital | 2,880,000 | 224,000 | 759,000 | 587,000 |
| Risk-weighted assets | 28,092,000 | 26,592,000 | 23,124,000 | 21,810,000 |