Call reports 2004
FIRST NATIONAL BANK OF MCHENRY, THE — 2004
What FIRST NATIONAL BANK OF MCHENRY, 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 | 131,695,000 | 132,719,000 | 130,267,000 | 126,290,000 |
| Total loans | 54,537,000 | 54,371,000 | 55,719,000 | 55,495,000 |
| Allowance for loan losses | 666,000 | 691,000 | 716,000 | 785,000 |
| Securities available for sale | 64,658,000 | 65,778,000 | 57,142,000 | 61,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,975,000 | 111,760,000 | 109,383,000 | 105,830,000 |
| Interest-bearing deposits | 94,209,000 | 95,570,000 | 93,865,000 | 90,539,000 |
| Noninterest-bearing deposits | 14,766,000 | 16,190,000 | 15,518,000 | 15,291,000 |
| Equity capital | 15,464,000 | 14,411,000 | 15,382,000 | 15,119,000 |
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 | 1,435,000 | 2,846,000 | 4,232,000 | 5,646,000 |
| Interest expense | 415,000 | 809,000 | 1,201,000 | 1,612,000 |
| Net interest income | 1,020,000 | 2,037,000 | 3,031,000 | 4,034,000 |
| Noninterest income | 170,000 | 330,000 | 511,000 | 675,000 |
| Noninterest expense | 832,000 | 1,682,000 | 2,528,000 | 3,447,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 443,000 |
| Pretax income | 407,000 | 712,000 | 1,055,000 | 935,000 |
| Income tax | 87,000 | 159,000 | 243,000 | 164,000 |
| Net income | 320,000 | 553,000 | 812,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,571,000 | 14,724,000 | 14,902,000 | 14,780,000 |
| Total capital | 15,238,000 | 15,415,000 | 15,618,000 | 15,565,000 |
| Risk-weighted assets | 63,187,000 | 63,924,000 | 63,190,000 | 62,275,000 |