Call reports 2004
FIRST NATIONAL BANK OF COLORADO — 2004
What FIRST NATIONAL BANK OF COLORADO 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 | 701,843,000 | 681,309,000 | 647,194,000 | 635,862,000 |
| Total loans | 617,266,000 | 602,984,000 | 555,495,000 | 548,142,000 |
| Allowance for loan losses | 9,079,000 | 9,057,000 | 8,804,000 | 6,584,000 |
| Securities available for sale | 32,000 | 31,000 | 29,000 | 28,000 |
| Securities held to maturity | 36,140,000 | 32,520,000 | 43,530,000 | 40,045,000 |
| Trading assets | 0 | 0 | 0 | 7,002,000 |
| Total deposits | 612,438,000 | 592,862,000 | 574,407,000 | 563,662,000 |
| Interest-bearing deposits | 581,815,000 | 559,575,000 | 531,627,000 | 519,267,000 |
| Noninterest-bearing deposits | 30,623,000 | 33,287,000 | 42,780,000 | 44,395,000 |
| Equity capital | 58,746,000 | 59,878,000 | 60,709,000 | 61,339,000 |
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 | 10,638,000 | 21,380,000 | 31,510,000 | 40,860,000 |
| Interest expense | 2,507,000 | 4,573,000 | 6,380,000 | 8,226,000 |
| Net interest income | 8,131,000 | 16,807,000 | 25,130,000 | 32,634,000 |
| Noninterest income | 1,662,000 | 3,932,000 | 5,935,000 | 3,640,000 |
| Noninterest expense | 6,754,000 | 13,780,000 | 20,788,000 | 27,971,000 |
| Provision for loan losses | 2,254,000 | 4,357,000 | 6,337,000 | 3,924,000 |
| Pretax income | 785,000 | 2,602,000 | 3,940,000 | 4,379,000 |
| Income tax | 295,000 | 980,000 | 1,487,000 | 1,387,000 |
| Net income | 490,000 | 1,622,000 | 2,453,000 | 2,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,442,000 | 51,574,000 | 52,405,000 | 53,035,000 |
| Total capital | 57,509,000 | 58,668,000 | 59,385,000 | 59,619,000 |
| Risk-weighted assets | 563,576,000 | 565,539,000 | 556,465,000 | 569,788,000 |