Call reports 2004
FIRST NATIONAL BANK OF CHILLICOTHE — 2004
What FIRST NATIONAL BANK OF CHILLICOTHE 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 | 80,489,000 | 85,119,000 | 84,080,000 | 81,809,000 |
| Total loans | 37,059,000 | 39,116,000 | 42,090,000 | 41,504,000 |
| Allowance for loan losses | 401,000 | 419,000 | 431,000 | 418,000 |
| Securities available for sale | 39,505,000 | 42,756,000 | 35,858,000 | 37,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,707,000 | 62,935,000 | 63,563,000 | 63,146,000 |
| Interest-bearing deposits | 55,386,000 | 56,924,000 | 58,220,000 | 57,587,000 |
| Noninterest-bearing deposits | 5,321,000 | 6,010,000 | 5,344,000 | 5,559,000 |
| Equity capital | 7,186,000 | 5,866,000 | 6,764,000 | 6,557,000 |
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 | 1,032,000 | 2,018,000 | 3,065,000 | 4,068,000 |
| Interest expense | 371,000 | 738,000 | 1,137,000 | 1,540,000 |
| Net interest income | 661,000 | 1,280,000 | 1,928,000 | 2,528,000 |
| Noninterest income | 43,000 | 101,000 | 157,000 | 208,000 |
| Noninterest expense | 420,000 | 793,000 | 1,173,000 | 1,561,000 |
| Provision for loan losses | 141,000 | 219,000 | 251,000 | 264,000 |
| Pretax income | 317,000 | 552,000 | 866,000 | 1,116,000 |
| Income tax | 6,000 | 10,000 | 18,000 | 12,000 |
| Net income | 311,000 | 542,000 | 848,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,942,000 | 6,759,000 | 6,868,000 | 6,852,000 |
| Total capital | 7,343,000 | 7,178,000 | 7,299,000 | 7,270,000 |
| Risk-weighted assets | 40,714,000 | 43,337,000 | 44,921,000 | 43,819,000 |