Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL BANK 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 | 59,583,000 | 61,030,000 | 62,213,000 | 69,087,000 |
| Total loans | 48,777,000 | 50,149,000 | 52,857,000 | 52,592,000 |
| Allowance for loan losses | 632,000 | 637,000 | 675,000 | 695,000 |
| Securities available for sale | 4,719,000 | 4,669,000 | 5,363,000 | 5,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,110,000 | 50,932,000 | 51,167,000 | 58,241,000 |
| Interest-bearing deposits | 42,799,000 | 43,446,000 | 43,063,000 | 48,986,000 |
| Noninterest-bearing deposits | 6,311,000 | 7,486,000 | 8,104,000 | 9,255,000 |
| Equity capital | 4,604,000 | 4,768,000 | 4,984,000 | 4,986,000 |
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 | 905,000 | 1,846,000 | 2,824,000 | 3,847,000 |
| Interest expense | 193,000 | 418,000 | 648,000 | 898,000 |
| Net interest income | 712,000 | 1,428,000 | 2,176,000 | 2,949,000 |
| Noninterest income | 89,000 | 198,000 | 300,000 | 390,000 |
| Noninterest expense | 469,000 | 948,000 | 1,431,000 | 2,047,000 |
| Provision for loan losses | 30,000 | 50,000 | 90,000 | 120,000 |
| Pretax income | 302,000 | 628,000 | 955,000 | 1,172,000 |
| Income tax | 90,000 | 179,000 | 265,000 | 465,000 |
| Net income | 212,000 | 449,000 | 690,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,547,000 | 4,788,000 | 4,978,000 | 5,005,000 |
| Total capital | 5,135,000 | 5,395,000 | 5,635,000 | 5,675,000 |
| Risk-weighted assets | 47,032,000 | 48,525,000 | 52,536,000 | 53,602,000 |