Call reports 2004
NEWFIRST NATIONAL BANK — 2004
What NEWFIRST 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 | 151,631,000 | 155,288,000 | 167,381,000 | 177,044,000 |
| Total loans | 82,123,000 | 95,194,000 | 103,309,000 | 109,811,000 |
| Allowance for loan losses | 1,220,000 | 1,380,000 | 1,529,000 | 1,601,000 |
| Securities available for sale | 53,467,000 | 50,847,000 | 48,120,000 | 54,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,276,000 | 138,498,000 | 150,963,000 | 156,484,000 |
| Interest-bearing deposits | 94,716,000 | 95,737,000 | 106,996,000 | 113,183,000 |
| Noninterest-bearing deposits | 40,560,000 | 42,761,000 | 43,967,000 | 43,301,000 |
| Equity capital | 15,681,000 | 14,315,000 | 15,517,000 | 15,650,000 |
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 | 2,075,000 | 4,198,000 | 6,515,000 | 9,018,000 |
| Interest expense | 277,000 | 558,000 | 881,000 | 1,273,000 |
| Net interest income | 1,798,000 | 3,640,000 | 5,634,000 | 7,745,000 |
| Noninterest income | 477,000 | 941,000 | 1,399,000 | 1,822,000 |
| Noninterest expense | 1,585,000 | 3,199,000 | 4,779,000 | 6,434,000 |
| Provision for loan losses | 95,000 | 265,000 | 442,000 | 558,000 |
| Pretax income | 663,000 | 1,185,000 | 1,883,000 | 2,642,000 |
| Income tax | 356,000 | 380,000 | 355,000 | 355,000 |
| Net income | 307,000 | 805,000 | 1,528,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,800,000 | 13,902,000 | 14,388,000 | 14,910,000 |
| Total capital | 15,009,000 | 15,238,000 | 15,836,000 | 16,495,000 |
| Risk-weighted assets | 96,729,000 | 106,888,000 | 115,733,000 | 126,576,000 |