Call reports 2004
1ST NATIONAL BANK & TRUST — 2004
What 1ST NATIONAL BANK & 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 | 298,159,000 | 304,785,000 | 311,121,000 | 317,470,000 |
| Total loans | 215,126,000 | 225,821,000 | 235,566,000 | 235,756,000 |
| Allowance for loan losses | 2,198,000 | 2,266,000 | 2,360,000 | 2,362,000 |
| Securities available for sale | 50,557,000 | 49,896,000 | 48,817,000 | 57,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,103,000 | 262,334,000 | 260,639,000 | 268,782,000 |
| Interest-bearing deposits | 217,753,000 | 223,746,000 | 222,828,000 | 236,848,000 |
| Noninterest-bearing deposits | 35,350,000 | 38,588,000 | 37,811,000 | 31,934,000 |
| Equity capital | 24,127,000 | 24,025,000 | 25,933,000 | 26,718,000 |
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 | 3,678,000 | 7,430,000 | 11,479,000 | 15,760,000 |
| Interest expense | 978,000 | 1,996,000 | 3,070,000 | 4,305,000 |
| Net interest income | 2,700,000 | 5,434,000 | 8,409,000 | 11,455,000 |
| Noninterest income | 541,000 | 1,142,000 | 1,726,000 | 2,329,000 |
| Noninterest expense | 2,069,000 | 4,230,000 | 6,368,000 | 8,451,000 |
| Provision for loan losses | 130,000 | 200,000 | 302,000 | 314,000 |
| Pretax income | 1,042,000 | 2,143,000 | 3,462,000 | 5,006,000 |
| Income tax | 367,000 | 759,000 | 1,231,000 | 1,787,000 |
| Net income | 675,000 | 1,384,000 | 2,231,000 | 3,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,453,000 | 23,150,000 | 24,497,000 | 25,473,000 |
| Total capital | 24,651,000 | 25,416,000 | 26,857,000 | 27,835,000 |
| Risk-weighted assets | 215,442,000 | 223,829,000 | 237,326,000 | 240,123,000 |