Call reports 2004
NATIONAL AMERICAN BANK — 2004
What NATIONAL AMERICAN 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 | 85,328,000 | 84,848,000 | 80,580,000 | 80,315,000 |
| Total loans | 51,165,000 | 50,607,000 | 51,342,000 | 48,547,000 |
| Allowance for loan losses | 1,085,000 | 1,071,000 | 1,084,000 | 976,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,500,000 | 12,500,000 | 13,500,000 | 13,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,116,000 | 71,762,000 | 67,538,000 | 64,587,000 |
| Interest-bearing deposits | 69,395,000 | 65,739,000 | 62,823,000 | 59,637,000 |
| Noninterest-bearing deposits | 4,721,000 | 6,023,000 | 4,715,000 | 4,950,000 |
| Equity capital | 8,045,000 | 9,890,000 | 9,945,000 | 10,138,000 |
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 | 926,000 | 1,791,000 | 2,699,000 | 3,616,000 |
| Interest expense | 293,000 | 580,000 | 855,000 | 1,117,000 |
| Net interest income | 633,000 | 1,211,000 | 1,844,000 | 2,499,000 |
| Noninterest income | 13,000 | 29,000 | 46,000 | 62,000 |
| Noninterest expense | 577,000 | 1,108,000 | 1,652,000 | 2,190,000 |
| Provision for loan losses | -36,000 | -50,000 | -37,000 | -140,000 |
| Pretax income | 105,000 | 182,000 | 275,000 | 511,000 |
| Income tax | 43,000 | 75,000 | 113,000 | 156,000 |
| Net income | 62,000 | 107,000 | 162,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,045,000 | 9,890,000 | 9,945,000 | 10,138,000 |
| Total capital | 8,786,000 | 10,619,000 | 10,680,000 | 10,839,000 |
| Risk-weighted assets | 58,961,000 | 57,989,000 | 58,490,000 | 55,842,000 |
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