Call reports 2004
FIRST NATIONAL EXCHANGE BANK — 2004
What FIRST NATIONAL EXCHANGE BANK 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 | 248,891,000 | 243,905,000 | 237,564,000 | 228,312,000 |
| Total loans | 156,378,000 | 141,085,000 | 142,743,000 | 141,843,000 |
| Allowance for loan losses | 1,833,000 | 1,862,000 | 1,883,000 | 1,845,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,447,000 | 68,993,000 | 53,048,000 | 42,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,698,000 | 224,147,000 | 217,325,000 | 208,571,000 |
| Interest-bearing deposits | 203,155,000 | 201,385,000 | 193,689,000 | 185,196,000 |
| Noninterest-bearing deposits | 26,543,000 | 22,762,000 | 23,636,000 | 23,375,000 |
| Equity capital | 17,459,000 | 17,992,000 | 18,379,000 | 18,752,000 |
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 | 3,089,000 | 6,139,000 | 8,990,000 | 11,649,000 |
| Interest expense | 1,280,000 | 2,518,000 | 3,734,000 | 4,936,000 |
| Net interest income | 1,809,000 | 3,621,000 | 5,256,000 | 6,713,000 |
| Noninterest income | 185,000 | 354,000 | 518,000 | 790,000 |
| Noninterest expense | 1,245,000 | 2,473,000 | 3,720,000 | 5,018,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 719,000 | 1,442,000 | 1,964,000 | 2,365,000 |
| Income tax | 185,000 | 375,000 | 510,000 | 538,000 |
| Net income | 534,000 | 1,067,000 | 1,454,000 | 1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,459,000 | 17,992,000 | 18,379,000 | 18,752,000 |
| Total capital | 19,292,000 | 19,854,000 | 20,262,000 | 20,597,000 |
| Risk-weighted assets | 160,628,000 | 154,685,000 | 151,876,000 | 149,224,000 |