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 | 276,987,000 | 270,808,000 | 281,080,000 | 304,551,000 |
| Total loans | 140,338,000 | 149,724,000 | 158,284,000 | 158,409,000 |
| Allowance for loan losses | 2,024,000 | 2,031,000 | 2,036,000 | 1,994,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 56,599,000 | 69,587,000 | 53,543,000 | 42,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,321,000 | 252,056,000 | 261,707,000 | 285,364,000 |
| Interest-bearing deposits | 225,571,000 | 217,448,000 | 227,373,000 | 251,178,000 |
| Noninterest-bearing deposits | 32,750,000 | 34,608,000 | 34,334,000 | 34,186,000 |
| Equity capital | 17,739,000 | 18,000,000 | 18,306,000 | 18,361,000 |
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 | 2,934,000 | 5,948,000 | 9,161,000 | 12,253,000 |
| Interest expense | 1,243,000 | 2,469,000 | 3,804,000 | 5,332,000 |
| Net interest income | 1,691,000 | 3,479,000 | 5,357,000 | 6,921,000 |
| Noninterest income | 204,000 | 389,000 | 579,000 | 887,000 |
| Noninterest expense | 1,147,000 | 2,296,000 | 3,484,000 | 4,828,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 730,000 | 1,536,000 | 2,398,000 | 2,908,000 |
| Income tax | 205,000 | 435,000 | 675,000 | 815,000 |
| Net income | 525,000 | 1,101,000 | 1,723,000 | 2,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,739,000 | 18,000,000 | 18,306,000 | 18,361,000 |
| Total capital | 19,687,000 | 19,966,000 | 20,342,000 | 20,355,000 |
| Risk-weighted assets | 155,795,000 | 157,248,000 | 168,337,000 | 173,332,000 |
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