Call reports 2004
FNB COWETA — 2004
What FNB COWETA 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 | 57,527,000 | 58,006,000 | 58,115,000 | 57,302,000 |
| Total loans | 26,552,000 | 27,436,000 | 28,200,000 | 27,574,000 |
| Allowance for loan losses | 234,000 | 219,000 | 224,000 | 217,000 |
| Securities available for sale | 7,933,000 | 8,935,000 | 8,726,000 | 8,176,000 |
| Securities held to maturity | 16,795,000 | 14,920,000 | 15,485,000 | 15,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,397,000 | 53,810,000 | 53,680,000 | 53,267,000 |
| Interest-bearing deposits | 44,545,000 | 43,313,000 | 44,380,000 | 43,278,000 |
| Noninterest-bearing deposits | 8,852,000 | 10,497,000 | 9,300,000 | 9,989,000 |
| Equity capital | 3,995,000 | 3,962,000 | 4,107,000 | 3,976,000 |
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 | 754,000 | 1,505,000 | 2,287,000 | 3,053,000 |
| Interest expense | 191,000 | 377,000 | 560,000 | 741,000 |
| Net interest income | 563,000 | 1,128,000 | 1,727,000 | 2,312,000 |
| Noninterest income | 178,000 | 349,000 | 520,000 | 676,000 |
| Noninterest expense | 617,000 | 1,225,000 | 1,850,000 | 2,479,000 |
| Provision for loan losses | 8,000 | 17,000 | 30,000 | 94,000 |
| Pretax income | 116,000 | 235,000 | 367,000 | 415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 235,000 | 367,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,858,000 | 3,952,000 | 4,060,000 | 3,982,000 |
| Total capital | 4,092,000 | 4,171,000 | 4,284,000 | 4,199,000 |
| Risk-weighted assets | 30,243,000 | 31,228,000 | 31,247,000 | 30,463,000 |