Call reports 2004
FIRST NATIONAL BANK OF ANDERSON, THE — 2004
What FIRST NATIONAL BANK OF ANDERSON, 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 | 84,608,000 | 84,268,000 | 80,948,000 | 82,508,000 |
| Total loans | 45,890,000 | 47,467,000 | 48,406,000 | 48,978,000 |
| Allowance for loan losses | 787,000 | 792,000 | 787,000 | 802,000 |
| Securities available for sale | 18,671,000 | 17,834,000 | 16,992,000 | 18,898,000 |
| Securities held to maturity | 3,663,000 | 4,285,000 | 3,848,000 | 3,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,257,000 | 75,946,000 | 72,163,000 | 74,039,000 |
| Interest-bearing deposits | 60,666,000 | 57,854,000 | 54,849,000 | 55,183,000 |
| Noninterest-bearing deposits | 15,591,000 | 18,092,000 | 17,314,000 | 18,856,000 |
| Equity capital | 7,952,000 | 8,020,000 | 8,438,000 | 8,149,000 |
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 | 971,000 | 1,944,000 | 2,970,000 | 4,026,000 |
| Interest expense | 179,000 | 359,000 | 554,000 | 759,000 |
| Net interest income | 792,000 | 1,585,000 | 2,416,000 | 3,267,000 |
| Noninterest income | 167,000 | 336,000 | 497,000 | 663,000 |
| Noninterest expense | 505,000 | 1,010,000 | 1,503,000 | 2,138,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 170,000 |
| Pretax income | 424,000 | 851,000 | 1,320,000 | 1,622,000 |
| Income tax | 154,000 | 309,000 | 479,000 | 539,000 |
| Net income | 270,000 | 542,000 | 841,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,894,000 | 8,166,000 | 8,465,000 | 8,243,000 |
| Total capital | 8,542,000 | 8,830,000 | 9,127,000 | 8,924,000 |
| Risk-weighted assets | 51,701,000 | 53,047,000 | 52,811,000 | 53,580,000 |