Call reports 2004
FIRST NATIONAL BANK AND TRUST — 2004
What FIRST NATIONAL BANK AND 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 | 47,501,000 | 47,975,000 | 50,102,000 | 47,911,000 |
| Total loans | 33,637,000 | 35,729,000 | 35,223,000 | 36,343,000 |
| Allowance for loan losses | 567,000 | 558,000 | 568,000 | 568,000 |
| Securities available for sale | 4,675,000 | 5,940,000 | 5,125,000 | 5,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,916,000 | 40,454,000 | 42,381,000 | 41,078,000 |
| Interest-bearing deposits | 32,883,000 | 33,133,000 | 35,732,000 | 34,483,000 |
| Noninterest-bearing deposits | 7,033,000 | 7,321,000 | 6,649,000 | 6,595,000 |
| Equity capital | 3,446,000 | 3,308,000 | 3,511,000 | 3,566,000 |
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 | 660,000 | 1,315,000 | 2,017,000 | 2,788,000 |
| Interest expense | 200,000 | 407,000 | 630,000 | 862,000 |
| Net interest income | 460,000 | 908,000 | 1,387,000 | 1,926,000 |
| Noninterest income | 91,000 | 187,000 | 294,000 | 392,000 |
| Noninterest expense | 418,000 | 860,000 | 1,290,000 | 1,740,000 |
| Provision for loan losses | 10,000 | 10,000 | 20,000 | 20,000 |
| Pretax income | 190,000 | 292,000 | 438,000 | 625,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 186,000 | 287,000 | 433,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,401,000 | 3,351,000 | 3,498,000 | 3,560,000 |
| Total capital | 3,797,000 | 3,773,000 | 3,919,000 | 3,987,000 |
| Risk-weighted assets | 31,498,000 | 33,607,000 | 33,547,000 | 34,044,000 |