Call reports 2004
WORTH NATIONAL BANK — 2004
What WORTH 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 | 284,034,000 | 292,211,000 | 308,620,000 | 316,953,000 |
| Total loans | 201,289,000 | 203,377,000 | 210,133,000 | 224,222,000 |
| Allowance for loan losses | 2,325,000 | 2,280,000 | 2,371,000 | 2,556,000 |
| Securities available for sale | 42,685,000 | 39,167,000 | 47,243,000 | 45,838,000 |
| Securities held to maturity | 196,000 | 174,000 | 4,360,000 | 4,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,113,000 | 256,563,000 | 271,878,000 | 279,500,000 |
| Interest-bearing deposits | 181,307,000 | 190,875,000 | 203,275,000 | 200,835,000 |
| Noninterest-bearing deposits | 65,806,000 | 65,688,000 | 68,603,000 | 78,665,000 |
| Equity capital | 26,793,000 | 26,807,000 | 27,937,000 | 28,849,000 |
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 | 3,456,000 | 6,980,000 | 10,727,000 | 14,875,000 |
| Interest expense | 828,000 | 1,688,000 | 2,590,000 | 3,548,000 |
| Net interest income | 2,628,000 | 5,292,000 | 8,137,000 | 11,327,000 |
| Noninterest income | 804,000 | 1,686,000 | 2,749,000 | 3,923,000 |
| Noninterest expense | 2,434,000 | 4,869,000 | 7,293,000 | 10,030,000 |
| Provision for loan losses | 163,000 | 253,000 | 453,000 | 679,000 |
| Pretax income | 927,000 | 1,948,000 | 3,274,000 | 4,675,000 |
| Income tax | 305,000 | 641,000 | 1,073,000 | 1,525,000 |
| Net income | 622,000 | 1,307,000 | 2,201,000 | 3,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,192,000 | 24,843,000 | 25,731,000 | 26,674,000 |
| Total capital | 26,517,000 | 27,123,000 | 28,102,000 | 29,230,000 |
| Risk-weighted assets | 216,326,000 | 222,141,000 | 233,426,000 | 243,636,000 |
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