Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST 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 | 120,049,000 | 127,385,000 | 129,144,000 | 122,196,000 |
| Total loans | 71,846,000 | 82,189,000 | 90,565,000 | 82,464,000 |
| Allowance for loan losses | 1,135,000 | 1,272,000 | 1,351,000 | 1,694,000 |
| Securities available for sale | 24,090,000 | 24,276,000 | 21,512,000 | 14,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,714,000 | 107,319,000 | 108,304,000 | 96,360,000 |
| Interest-bearing deposits | 92,310,000 | 98,859,000 | 99,249,000 | 89,972,000 |
| Noninterest-bearing deposits | 7,404,000 | 8,460,000 | 9,055,000 | 6,389,000 |
| Equity capital | 9,687,000 | 9,416,000 | 10,213,000 | 14,918,000 |
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 | 1,480,000 | 3,064,000 | 4,779,000 | 6,509,000 |
| Interest expense | 482,000 | 1,033,000 | 1,585,000 | 2,191,000 |
| Net interest income | 998,000 | 2,031,000 | 3,194,000 | 4,318,000 |
| Noninterest income | 205,000 | 459,000 | 677,000 | 2,077,000 |
| Noninterest expense | 803,000 | 1,720,000 | 2,716,000 | 3,710,000 |
| Provision for loan losses | 130,000 | 270,000 | 360,000 | 890,000 |
| Pretax income | 279,000 | 559,000 | 850,000 | 1,712,000 |
| Income tax | 106,000 | 212,000 | 323,000 | 649,000 |
| Net income | 173,000 | 347,000 | 527,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,498,000 | 10,171,000 | 10,351,000 | 14,987,000 |
| Total capital | 10,492,000 | 11,274,000 | 11,461,000 | 16,089,000 |
| Risk-weighted assets | 79,372,000 | 88,044,000 | 87,781,000 | 87,579,000 |