Call reports 2004
FIRST NATIONAL BANK OF SHINER, THE — 2004
What FIRST NATIONAL BANK OF SHINER, THE 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 | 105,855,000 | 106,686,000 | 106,303,000 | 104,761,000 |
| Total loans | 34,100,000 | 35,606,000 | 36,739,000 | 35,756,000 |
| Allowance for loan losses | 411,000 | 424,000 | 443,000 | 446,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 58,339,000 | 62,617,000 | 62,486,000 | 61,254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,476,000 | 90,569,000 | 88,614,000 | 89,146,000 |
| Interest-bearing deposits | 78,082,000 | 78,144,000 | 76,050,000 | 75,468,000 |
| Noninterest-bearing deposits | 12,394,000 | 12,425,000 | 12,564,000 | 13,678,000 |
| Equity capital | 15,053,000 | 15,183,000 | 15,604,000 | 15,281,000 |
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 | 1,052,000 | 2,124,000 | 3,227,000 | 4,343,000 |
| Interest expense | 353,000 | 681,000 | 1,007,000 | 1,323,000 |
| Net interest income | 699,000 | 1,443,000 | 2,220,000 | 3,020,000 |
| Noninterest income | 56,000 | 90,000 | 128,000 | 179,000 |
| Noninterest expense | 377,000 | 748,000 | 1,038,000 | 1,449,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 348,000 | 725,000 | 1,220,000 | 1,590,000 |
| Income tax | 82,000 | 269,000 | 343,000 | 376,000 |
| Net income | 266,000 | 456,000 | 877,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,387,000 | 14,517,000 | 14,938,000 | 14,615,000 |
| Total capital | 14,798,000 | 14,941,000 | 15,381,000 | 15,061,000 |
| Risk-weighted assets | 47,220,000 | 48,594,000 | 48,591,000 | 48,438,000 |