Call reports 2004
FIRST NATIONAL BANK OF HICO, THE — 2004
What FIRST NATIONAL BANK OF HICO, 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 | 26,378,000 | 26,628,000 | 26,841,000 | 27,599,000 |
| Total loans | 10,207,000 | 9,787,000 | 9,661,000 | 10,012,000 |
| Allowance for loan losses | 182,000 | 191,000 | 192,000 | 191,000 |
| Securities available for sale | 9,741,000 | 9,290,000 | 10,432,000 | 10,212,000 |
| Securities held to maturity | 1,695,000 | 1,949,000 | 3,528,000 | 3,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,771,000 | 24,285,000 | 24,307,000 | 25,094,000 |
| Interest-bearing deposits | 16,921,000 | 18,285,000 | 18,084,000 | 18,887,000 |
| Noninterest-bearing deposits | 6,850,000 | 6,000,000 | 6,223,000 | 6,206,000 |
| Equity capital | 2,525,000 | 2,268,000 | 2,467,000 | 2,452,000 |
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 | 282,000 | 558,000 | 843,000 | 1,145,000 |
| Interest expense | 41,000 | 77,000 | 117,000 | 157,000 |
| Net interest income | 241,000 | 481,000 | 726,000 | 988,000 |
| Noninterest income | 45,000 | 87,000 | 138,000 | 177,000 |
| Noninterest expense | 225,000 | 451,000 | 668,000 | 894,000 |
| Provision for loan losses | 0 | -15,000 | -15,000 | -15,000 |
| Pretax income | 67,000 | 132,000 | 217,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 67,000 | 132,000 | 217,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,354,000 | 2,380,000 | 2,447,000 | 2,517,000 |
| Total capital | 2,512,000 | 2,537,000 | 2,607,000 | 2,684,000 |
| Risk-weighted assets | 12,601,000 | 12,488,000 | 12,756,000 | 13,337,000 |