Call reports 2004
FIRST NATIONAL BANK OF ORDWAY, THE — 2004
What FIRST NATIONAL BANK OF ORDWAY, 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 | 37,397,000 | 39,190,000 | 38,696,000 | 39,855,000 |
| Total loans | 31,048,000 | 31,926,000 | 32,215,000 | 33,913,000 |
| Allowance for loan losses | 330,000 | 361,000 | 364,000 | 367,000 |
| Securities available for sale | 0 | 690,000 | 897,000 | 400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,370,000 | 33,117,000 | 31,737,000 | 33,584,000 |
| Interest-bearing deposits | 25,458,000 | 26,370,000 | 25,780,000 | 26,999,000 |
| Noninterest-bearing deposits | 5,912,000 | 6,747,000 | 5,957,000 | 6,586,000 |
| Equity capital | 3,226,000 | 3,290,000 | 3,262,000 | 3,331,000 |
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 | 557,000 | 1,123,000 | 1,687,000 | 2,262,000 |
| Interest expense | 220,000 | 437,000 | 658,000 | 881,000 |
| Net interest income | 337,000 | 686,000 | 1,029,000 | 1,381,000 |
| Noninterest income | 47,000 | 111,000 | 165,000 | 211,000 |
| Noninterest expense | 318,000 | 627,000 | 937,000 | 1,240,000 |
| Provision for loan losses | 14,000 | 22,000 | 24,000 | 27,000 |
| Pretax income | 52,000 | 148,000 | 233,000 | 325,000 |
| Income tax | 8,000 | 33,000 | 51,000 | 75,000 |
| Net income | 44,000 | 115,000 | 182,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,226,000 | 3,297,000 | 3,264,000 | 3,332,000 |
| Total capital | 3,556,000 | 3,658,000 | 3,628,000 | 3,699,000 |
| Risk-weighted assets | 29,902,000 | 30,723,000 | 30,859,000 | 32,207,000 |