Call reports 2004
FIRST NATIONAL BANK OF BLANCHESTER, THE — 2004
What FIRST NATIONAL BANK OF BLANCHESTER, THE 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 | 49,066,000 | 48,633,000 | 47,273,000 | 49,107,000 |
| Total loans | 21,296,000 | 21,755,000 | 21,350,000 | 20,967,000 |
| Allowance for loan losses | 152,000 | 152,000 | 152,000 | 152,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,609,000 | 22,088,000 | 21,074,000 | 23,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,188,000 | 41,968,000 | 41,415,000 | 43,341,000 |
| Interest-bearing deposits | 38,267,000 | 37,037,000 | 37,081,000 | 38,442,000 |
| Noninterest-bearing deposits | 4,921,000 | 4,931,000 | 4,334,000 | 4,899,000 |
| Equity capital | 5,540,000 | 5,468,000 | 5,603,000 | 5,519,000 |
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 | 579,000 | 1,144,000 | 1,712,000 | 2,265,000 |
| Interest expense | 85,000 | 170,000 | 255,000 | 342,000 |
| Net interest income | 494,000 | 974,000 | 1,457,000 | 1,923,000 |
| Noninterest income | 115,000 | 235,000 | 362,000 | 479,000 |
| Noninterest expense | 401,000 | 784,000 | 1,165,000 | 1,557,000 |
| Provision for loan losses | 3,000 | 5,000 | 34,000 | 30,000 |
| Pretax income | 205,000 | 420,000 | 620,000 | 815,000 |
| Income tax | 64,000 | 136,000 | 201,000 | 265,000 |
| Net income | 141,000 | 284,000 | 419,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,200,000 | 4,155,000 | 4,317,000 | 4,260,000 |
| Total capital | 4,352,000 | 4,307,000 | 4,469,000 | 4,412,000 |
| Risk-weighted assets | 24,568,000 | 24,638,000 | 24,398,000 | 24,582,000 |