Call reports 2004
FIRST NATIONAL BANK OF STARBUCK, THE — 2004
What FIRST NATIONAL BANK OF STARBUCK, 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 | 24,154,000 | 23,717,000 | 23,844,000 | 23,280,000 |
| Total loans | 11,051,000 | 11,653,000 | 13,027,000 | 12,917,000 |
| Allowance for loan losses | 290,000 | 308,000 | 313,000 | 315,000 |
| Securities available for sale | 10,839,000 | 9,410,000 | 8,936,000 | 7,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,552,000 | 21,156,000 | 21,240,000 | 20,739,000 |
| Interest-bearing deposits | 17,959,000 | 17,754,000 | 17,469,000 | 17,265,000 |
| Noninterest-bearing deposits | 3,593,000 | 3,402,000 | 3,771,000 | 3,474,000 |
| Equity capital | 2,425,000 | 2,409,000 | 2,458,000 | 2,422,000 |
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 | 291,000 | 570,000 | 847,000 | 1,126,000 |
| Interest expense | 61,000 | 109,000 | 152,000 | 192,000 |
| Net interest income | 230,000 | 461,000 | 695,000 | 934,000 |
| Noninterest income | 64,000 | 132,000 | 199,000 | 287,000 |
| Noninterest expense | 229,000 | 471,000 | 728,000 | 1,001,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 10,000 |
| Pretax income | 63,000 | 118,000 | 159,000 | 210,000 |
| Income tax | 18,000 | 32,000 | 40,000 | 60,000 |
| Net income | 45,000 | 86,000 | 119,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,342,000 | 2,382,000 | 2,416,000 | 2,402,000 |
| Total capital | 2,496,000 | 2,542,000 | 2,582,000 | 2,559,000 |
| Risk-weighted assets | 12,146,000 | 12,652,000 | 13,138,000 | 12,367,000 |