Call reports 2004
FIRST NATIONAL BANK OF MANCHESTER — 2004
What FIRST NATIONAL BANK OF MANCHESTER 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 | 150,479,000 | 146,835,000 | 144,698,000 | 151,626,000 |
| Total loans | 93,431,000 | 96,726,000 | 95,613,000 | 98,843,000 |
| Allowance for loan losses | 1,064,000 | 1,068,000 | 1,106,000 | 1,149,000 |
| Securities available for sale | 30,331,000 | 32,171,000 | 32,723,000 | 31,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,392,000 | 123,954,000 | 121,632,000 | 125,391,000 |
| Interest-bearing deposits | 105,229,000 | 102,313,000 | 100,037,000 | 100,697,000 |
| Noninterest-bearing deposits | 22,163,000 | 21,641,000 | 21,594,000 | 24,693,000 |
| Equity capital | 16,531,000 | 15,704,000 | 16,168,000 | 16,531,000 |
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 | 1,909,000 | 3,818,000 | 5,840,000 | 7,824,000 |
| Interest expense | 417,000 | 826,000 | 1,234,000 | 1,671,000 |
| Net interest income | 1,492,000 | 2,992,000 | 4,606,000 | 6,153,000 |
| Noninterest income | 206,000 | 477,000 | 866,000 | 1,152,000 |
| Noninterest expense | 806,000 | 1,659,000 | 2,559,000 | 3,528,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 886,000 | 1,767,000 | 2,832,000 | 3,633,000 |
| Income tax | 309,000 | 617,000 | 953,000 | 1,194,000 |
| Net income | 577,000 | 1,150,000 | 1,879,000 | 2,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,166,000 | 15,981,000 | 16,071,000 | 16,461,000 |
| Total capital | 16,847,000 | 16,651,000 | 16,796,000 | 17,210,000 |
| Risk-weighted assets | 96,329,000 | 97,419,000 | 96,800,000 | 100,436,000 |