Call reports 2004
FIRST NATIONAL BANK OF THE NORTH — 2004
What FIRST NATIONAL BANK OF THE NORTH 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 | 61,077,000 | 58,105,000 | 65,536,000 | 62,763,000 |
| Total loans | 35,202,000 | 37,480,000 | 44,673,000 | 43,536,000 |
| Allowance for loan losses | 353,000 | 367,000 | 369,000 | 213,000 |
| Securities available for sale | 20,990,000 | 2,845,000 | 11,269,000 | 9,252,000 |
| Securities held to maturity | 10,000 | 5,997,000 | 5,998,000 | 5,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,483,000 | 52,519,000 | 59,738,000 | 56,814,000 |
| Interest-bearing deposits | 46,881,000 | 45,908,000 | 50,715,000 | 50,493,000 |
| Noninterest-bearing deposits | 5,602,000 | 6,611,000 | 9,023,000 | 6,321,000 |
| Equity capital | 4,260,000 | 4,313,000 | 5,156,000 | 5,677,000 |
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 | 891,000 | 1,739,000 | 2,703,000 | 3,747,000 |
| Interest expense | 244,000 | 478,000 | 731,000 | 991,000 |
| Net interest income | 647,000 | 1,261,000 | 1,972,000 | 2,756,000 |
| Noninterest income | 55,000 | 101,000 | 157,000 | 216,000 |
| Noninterest expense | 459,000 | 883,000 | 1,347,000 | 2,025,000 |
| Provision for loan losses | -13,000 | -13,000 | -13,000 | -165,000 |
| Pretax income | 259,000 | 486,000 | 791,000 | 1,128,000 |
| Income tax | 115,000 | 191,000 | 307,000 | 373,000 |
| Net income | 144,000 | 295,000 | 484,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,238,000 | 4,390,000 | 5,136,000 | 5,407,000 |
| Total capital | 4,591,000 | 4,757,000 | 5,505,000 | 5,620,000 |
| Risk-weighted assets | 36,021,000 | 37,322,000 | 43,745,000 | 43,295,000 |