Call reports 2004
FIRST NATIONAL BANK OF VOLGA, THE — 2004
What FIRST NATIONAL BANK OF VOLGA, 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 | 27,652,000 | 27,254,000 | 27,065,000 | 29,364,000 |
| Total loans | 17,492,000 | 18,094,000 | 18,237,000 | 18,300,000 |
| Allowance for loan losses | 359,000 | 363,000 | 363,000 | 359,000 |
| Securities available for sale | 7,495,000 | 6,635,000 | 6,490,000 | 8,275,000 |
| Securities held to maturity | 170,000 | 160,000 | 152,000 | 143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,870,000 | 24,623,000 | 24,236,000 | 26,549,000 |
| Interest-bearing deposits | 21,728,000 | 21,854,000 | 21,270,000 | 23,389,000 |
| Noninterest-bearing deposits | 3,142,000 | 2,769,000 | 2,966,000 | 3,160,000 |
| Equity capital | 2,587,000 | 2,564,000 | 2,668,000 | 2,732,000 |
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 | 431,000 | 806,000 | 1,178,000 | 1,566,000 |
| Interest expense | 98,000 | 191,000 | 284,000 | 383,000 |
| Net interest income | 333,000 | 615,000 | 894,000 | 1,183,000 |
| Noninterest income | 32,000 | 68,000 | 105,000 | 140,000 |
| Noninterest expense | 147,000 | 308,000 | 468,000 | 657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 218,000 | 375,000 | 531,000 | 666,000 |
| Income tax | 74,000 | 125,000 | 177,000 | 223,000 |
| Net income | 144,000 | 250,000 | 354,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,530,000 | 2,635,000 | 2,650,000 | 2,739,000 |
| Total capital | 2,746,000 | 2,855,000 | 2,870,000 | 2,966,000 |
| Risk-weighted assets | 17,142,000 | 17,463,000 | 17,484,000 | 18,028,000 |