Call reports 2004
BATH NATIONAL BANK — 2004
What BATH 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 | 467,076,000 | 461,687,000 | 483,623,000 | 472,447,000 |
| Total loans | 239,021,000 | 233,492,000 | 237,689,000 | 238,245,000 |
| Allowance for loan losses | 4,751,000 | 4,499,000 | 4,564,000 | 4,772,000 |
| Securities available for sale | 161,499,000 | 162,526,000 | 171,308,000 | 169,378,000 |
| Securities held to maturity | 3,933,000 | 4,609,000 | 7,663,000 | 6,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,262,000 | 343,611,000 | 367,934,000 | 354,503,000 |
| Interest-bearing deposits | 302,379,000 | 288,665,000 | 311,892,000 | 299,240,000 |
| Noninterest-bearing deposits | 49,883,000 | 54,946,000 | 56,042,000 | 55,263,000 |
| Equity capital | 77,484,000 | 76,026,000 | 78,659,000 | 78,966,000 |
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 | 5,219,000 | 10,535,000 | 15,786,000 | 21,143,000 |
| Interest expense | 1,417,000 | 2,801,000 | 4,218,000 | 5,795,000 |
| Net interest income | 3,802,000 | 7,734,000 | 11,568,000 | 15,348,000 |
| Noninterest income | 943,000 | 2,317,000 | 3,419,000 | 4,260,000 |
| Noninterest expense | 3,116,000 | 6,338,000 | 9,656,000 | 12,897,000 |
| Provision for loan losses | 600,000 | 455,000 | 950,000 | 1,430,000 |
| Pretax income | 1,046,000 | 3,287,000 | 4,414,000 | 5,347,000 |
| Income tax | 191,000 | 854,000 | 1,060,000 | 1,199,000 |
| Net income | 855,000 | 2,433,000 | 3,354,000 | 4,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,144,000 | 36,807,000 | 37,818,000 | 38,698,000 |
| Total capital | 38,287,000 | 39,910,000 | 41,011,000 | 41,822,000 |
| Risk-weighted assets | 249,815,000 | 246,840,000 | 253,837,000 | 247,824,000 |