Call reports 2004
FIRST NATIONAL BANK OF LACON — 2004
What FIRST NATIONAL BANK OF LACON 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 | 48,836,000 | 55,170,000 | 51,114,000 | 51,166,000 |
| Total loans | 29,760,000 | 30,158,000 | 31,172,000 | 31,568,000 |
| Allowance for loan losses | 136,000 | 142,000 | 118,000 | 159,000 |
| Securities available for sale | 15,103,000 | 14,208,000 | 13,486,000 | 12,398,000 |
| Securities held to maturity | 351,000 | 343,000 | 341,000 | 337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,036,000 | 47,707,000 | 43,292,000 | 43,613,000 |
| Interest-bearing deposits | 35,053,000 | 41,179,000 | 36,834,000 | 36,780,000 |
| Noninterest-bearing deposits | 5,983,000 | 6,528,000 | 6,458,000 | 6,833,000 |
| Equity capital | 4,949,000 | 4,565,000 | 4,865,000 | 4,750,000 |
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 | 660,000 | 1,317,000 | 1,943,000 | 2,669,000 |
| Interest expense | 152,000 | 306,000 | 474,000 | 653,000 |
| Net interest income | 508,000 | 1,011,000 | 1,469,000 | 2,016,000 |
| Noninterest income | 18,000 | 38,000 | 60,000 | 89,000 |
| Noninterest expense | 330,000 | 642,000 | 960,000 | 1,303,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 20,000 |
| Pretax income | 196,000 | 397,000 | 559,000 | 782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 196,000 | 397,000 | 559,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,846,000 | 4,857,000 | 4,879,000 | 4,852,000 |
| Total capital | 4,982,000 | 4,999,000 | 4,997,000 | 5,011,000 |
| Risk-weighted assets | 32,280,000 | 33,808,000 | 34,100,000 | 34,517,000 |