Call reports 2004
NEFFS NATIONAL BANK, THE — 2004
What NEFFS NATIONAL BANK, 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 | 204,438,000 | 205,754,000 | 205,420,000 | 209,540,000 |
| Total loans | 70,720,000 | 73,019,000 | 74,618,000 | 76,978,000 |
| Allowance for loan losses | 640,000 | 664,000 | 664,000 | 663,000 |
| Securities available for sale | 36,257,000 | 38,417,000 | 38,978,000 | 43,474,000 |
| Securities held to maturity | 83,382,000 | 82,135,000 | 80,321,000 | 79,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,991,000 | 169,733,000 | 168,128,000 | 171,719,000 |
| Interest-bearing deposits | 155,013,000 | 156,151,000 | 154,198,000 | 157,505,000 |
| Noninterest-bearing deposits | 12,978,000 | 13,582,000 | 13,930,000 | 14,214,000 |
| Equity capital | 35,592,000 | 35,244,000 | 36,559,000 | 36,924,000 |
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 | 2,456,000 | 4,967,000 | 7,485,000 | 10,047,000 |
| Interest expense | 1,053,000 | 2,049,000 | 3,055,000 | 4,082,000 |
| Net interest income | 1,403,000 | 2,918,000 | 4,430,000 | 5,965,000 |
| Noninterest income | 55,000 | 115,000 | 180,000 | 254,000 |
| Noninterest expense | 538,000 | 1,130,000 | 1,680,000 | 2,239,000 |
| Provision for loan losses | 15,000 | 30,000 | 36,000 | 36,000 |
| Pretax income | 905,000 | 1,873,000 | 2,894,000 | 3,944,000 |
| Income tax | 129,000 | 288,000 | 470,000 | 653,000 |
| Net income | 776,000 | 1,585,000 | 2,424,000 | 3,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,480,000 | 35,943,000 | 36,782,000 | 37,255,000 |
| Total capital | 36,120,000 | 36,607,000 | 37,446,000 | 37,918,000 |
| Risk-weighted assets | 87,197,000 | 89,391,000 | 90,728,000 | 92,732,000 |