Call reports 2004
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2004
What FIRST NATIONAL BANK AND TRUST COMPANY, 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 | 535,674,000 | 544,686,000 | 554,571,000 | 569,612,000 |
| Total loans | 365,004,000 | 364,363,000 | 380,667,000 | 373,899,000 |
| Allowance for loan losses | 4,541,000 | 4,690,000 | 4,848,000 | 4,937,000 |
| Securities available for sale | 52,029,000 | 62,209,000 | 50,024,000 | 63,962,000 |
| Securities held to maturity | 69,535,000 | 69,936,000 | 70,206,000 | 69,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,533,000 | 451,205,000 | 456,105,000 | 468,448,000 |
| Interest-bearing deposits | 386,371,000 | 395,942,000 | 396,935,000 | 393,434,000 |
| Noninterest-bearing deposits | 57,162,000 | 55,263,000 | 59,170,000 | 75,014,000 |
| Equity capital | 46,887,000 | 47,080,000 | 48,380,000 | 48,971,000 |
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 | 6,302,000 | 12,628,000 | 19,317,000 | 26,003,000 |
| Interest expense | 1,950,000 | 3,847,000 | 5,886,000 | 8,039,000 |
| Net interest income | 4,352,000 | 8,781,000 | 13,431,000 | 17,964,000 |
| Noninterest income | 1,225,000 | 2,752,000 | 4,450,000 | 5,957,000 |
| Noninterest expense | 3,906,000 | 8,169,000 | 12,320,000 | 16,436,000 |
| Provision for loan losses | 200,000 | 395,000 | 580,000 | 765,000 |
| Pretax income | 1,621,000 | 3,115,000 | 5,145,000 | 6,885,000 |
| Income tax | 393,000 | 761,000 | 1,321,000 | 1,798,000 |
| Net income | 1,228,000 | 2,354,000 | 3,824,000 | 5,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,147,000 | 36,051,000 | 37,113,000 | 38,008,000 |
| Total capital | 39,688,000 | 40,741,000 | 41,961,000 | 42,945,000 |
| Risk-weighted assets | 385,104,000 | 386,296,000 | 400,738,000 | 400,909,000 |