Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL 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 | 469,692,000 | 477,374,000 | 489,060,000 | 502,742,000 |
| Total loans | 326,097,000 | 349,889,000 | 373,171,000 | 365,923,000 |
| Allowance for loan losses | 19,482,000 | 20,166,000 | 21,285,000 | 22,096,000 |
| Securities available for sale | 53,895,000 | 41,832,000 | 41,763,000 | 37,299,000 |
| Securities held to maturity | 47,711,000 | 44,626,000 | 40,545,000 | 43,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,757,000 | 394,205,000 | 403,125,000 | 417,856,000 |
| Interest-bearing deposits | 323,521,000 | 324,736,000 | 335,007,000 | 348,490,000 |
| Noninterest-bearing deposits | 63,236,000 | 69,469,000 | 68,118,000 | 69,366,000 |
| Equity capital | 65,087,000 | 65,874,000 | 67,624,000 | 69,003,000 |
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 | 11,202,000 | 22,528,000 | 35,115,000 | 48,032,000 |
| Interest expense | 1,283,000 | 2,452,000 | 3,655,000 | 4,956,000 |
| Net interest income | 9,919,000 | 20,076,000 | 31,460,000 | 43,076,000 |
| Noninterest income | 6,624,000 | 13,592,000 | 20,263,000 | 27,098,000 |
| Noninterest expense | 7,585,000 | 15,275,000 | 23,409,000 | 31,665,000 |
| Provision for loan losses | 5,722,000 | 11,591,000 | 18,091,000 | 24,630,000 |
| Pretax income | 3,247,000 | 6,810,000 | 10,231,000 | 13,887,000 |
| Income tax | 1,241,000 | 2,490,000 | 3,696,000 | 5,016,000 |
| Net income | 2,006,000 | 4,320,000 | 6,535,000 | 8,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,833,000 | 55,565,000 | 57,198,000 | 58,953,000 |
| Total capital | 58,294,000 | 60,314,000 | 62,269,000 | 63,986,000 |
| Risk-weighted assets | 341,874,000 | 364,487,000 | 389,464,000 | 385,610,000 |