Call reports 2004
FIRST NATIONAL BANK OF SPARTA, THE — 2004
What FIRST NATIONAL BANK OF SPARTA, 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 | 61,532,000 | 61,549,000 | 61,925,000 | 67,313,000 |
| Total loans | 30,500,000 | 30,400,000 | 29,728,000 | 28,549,000 |
| Allowance for loan losses | 384,000 | 385,000 | 409,000 | 405,000 |
| Securities available for sale | 22,380,000 | 22,263,000 | 23,989,000 | 31,451,000 |
| Securities held to maturity | 1,385,000 | 1,385,000 | 1,267,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,737,000 | 54,503,000 | 54,470,000 | 59,239,000 |
| Interest-bearing deposits | 46,331,000 | 46,589,000 | 47,061,000 | 52,618,000 |
| Noninterest-bearing deposits | 7,406,000 | 7,914,000 | 7,409,000 | 6,621,000 |
| Equity capital | 6,795,000 | 6,388,000 | 6,676,000 | 6,651,000 |
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 | 718,000 | 1,428,000 | 2,146,000 | 2,903,000 |
| Interest expense | 168,000 | 330,000 | 490,000 | 673,000 |
| Net interest income | 550,000 | 1,098,000 | 1,656,000 | 2,230,000 |
| Noninterest income | 108,000 | 213,000 | 296,000 | 406,000 |
| Noninterest expense | 424,000 | 860,000 | 1,273,000 | 1,736,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 75,000 |
| Pretax income | 213,000 | 392,000 | 597,000 | 811,000 |
| Income tax | 59,000 | 103,000 | 156,000 | 181,000 |
| Net income | 154,000 | 289,000 | 441,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,583,000 | 6,454,000 | 6,606,000 | 6,677,000 |
| Total capital | 6,967,000 | 6,839,000 | 7,015,000 | 7,082,000 |
| Risk-weighted assets | 37,189,000 | 37,299,000 | 36,066,000 | 35,941,000 |
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