Call reports 2004
FIRST NATIONAL BANK AND TRUST — 2004
What FIRST NATIONAL BANK AND TRUST 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 | 142,896,000 | 143,394,000 | 140,171,000 | 148,548,000 |
| Total loans | 85,854,000 | 87,730,000 | 82,792,000 | 78,818,000 |
| Allowance for loan losses | 2,175,000 | 2,459,000 | 2,417,000 | 2,576,000 |
| Securities available for sale | 48,830,000 | 43,479,000 | 46,059,000 | 47,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,893,000 | 115,304,000 | 114,090,000 | 119,890,000 |
| Interest-bearing deposits | 103,118,000 | 101,868,000 | 100,555,000 | 104,828,000 |
| Noninterest-bearing deposits | 12,775,000 | 13,436,000 | 13,535,000 | 15,062,000 |
| Equity capital | 19,080,000 | 17,711,000 | 18,502,000 | 18,536,000 |
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 | 1,954,000 | 4,252,000 | 6,235,000 | 8,209,000 |
| Interest expense | 606,000 | 1,183,000 | 1,758,000 | 2,333,000 |
| Net interest income | 1,348,000 | 3,069,000 | 4,477,000 | 5,876,000 |
| Noninterest income | 269,000 | 459,000 | 683,000 | 946,000 |
| Noninterest expense | 911,000 | 1,800,000 | 2,743,000 | 3,778,000 |
| Provision for loan losses | 135,000 | 470,000 | 605,000 | 740,000 |
| Pretax income | 571,000 | 1,258,000 | 1,812,000 | 2,304,000 |
| Income tax | 22,000 | 50,000 | 72,000 | 95,000 |
| Net income | 549,000 | 1,208,000 | 1,740,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,299,000 | 18,218,000 | 18,381,000 | 18,483,000 |
| Total capital | 19,553,000 | 19,475,000 | 19,572,000 | 19,661,000 |
| Risk-weighted assets | 99,475,000 | 99,467,000 | 94,038,000 | 92,826,000 |