Call reports 2004
FIRST NATIONAL BANK OF BRUNDIDGE, THE — 2004
What FIRST NATIONAL BANK OF BRUNDIDGE, 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 | 82,370,000 | 84,583,000 | 85,090,000 | 83,156,000 |
| Total loans | 65,519,000 | 67,105,000 | 67,131,000 | 65,242,000 |
| Allowance for loan losses | 718,000 | 769,000 | 819,000 | 832,000 |
| Securities available for sale | 9,327,000 | 10,833,000 | 11,075,000 | 11,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,990,000 | 72,229,000 | 70,966,000 | 70,311,000 |
| Interest-bearing deposits | 63,105,000 | 64,915,000 | 62,846,000 | 62,920,000 |
| Noninterest-bearing deposits | 6,885,000 | 7,314,000 | 8,120,000 | 7,392,000 |
| Equity capital | 6,410,000 | 6,393,000 | 6,707,000 | 6,888,000 |
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 | 1,287,000 | 2,625,000 | 3,983,000 | 5,362,000 |
| Interest expense | 433,000 | 880,000 | 1,357,000 | 1,844,000 |
| Net interest income | 854,000 | 1,745,000 | 2,626,000 | 3,518,000 |
| Noninterest income | 109,000 | 208,000 | 333,000 | 447,000 |
| Noninterest expense | 614,000 | 1,256,000 | 1,923,000 | 2,587,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 200,000 |
| Pretax income | 382,000 | 670,000 | 949,000 | 1,251,000 |
| Income tax | 125,000 | 223,000 | 335,000 | 422,000 |
| Net income | 257,000 | 447,000 | 614,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,365,000 | 6,555,000 | 6,721,000 | 6,938,000 |
| Total capital | 7,083,000 | 7,324,000 | 7,499,000 | 7,690,000 |
| Risk-weighted assets | 60,677,000 | 62,729,000 | 62,220,000 | 60,040,000 |