Call reports 2004
FIRST NATIONAL BANK OF BORGER — 2004
What FIRST NATIONAL BANK OF BORGER 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 | 38,881,000 | 36,799,000 | 36,666,000 | 38,267,000 |
| Total loans | 31,238,000 | 29,243,000 | 28,175,000 | 31,659,000 |
| Allowance for loan losses | 868,000 | 872,000 | 766,000 | 582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 180,000 | 180,000 | 180,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,077,000 | 31,868,000 | 31,559,000 | 33,032,000 |
| Interest-bearing deposits | 21,962,000 | 19,944,000 | 20,847,000 | 21,315,000 |
| Noninterest-bearing deposits | 12,115,000 | 11,925,000 | 10,712,000 | 11,717,000 |
| Equity capital | 4,724,000 | 4,837,000 | 4,997,000 | 5,153,000 |
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 | 442,000 | 875,000 | 1,332,000 | 1,834,000 |
| Interest expense | 65,000 | 128,000 | 190,000 | 259,000 |
| Net interest income | 377,000 | 747,000 | 1,142,000 | 1,575,000 |
| Noninterest income | 89,000 | 177,000 | 260,000 | 350,000 |
| Noninterest expense | 369,000 | 715,000 | 1,137,000 | 1,510,000 |
| Provision for loan losses | 0 | 0 | -98,000 | -111,000 |
| Pretax income | 97,000 | 209,000 | 363,000 | 526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 97,000 | 209,000 | 370,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,837,000 | 4,997,000 | 5,153,000 |
| Total capital | 5,154,000 | 5,261,000 | 5,397,000 | 5,593,000 |
| Risk-weighted assets | 34,514,000 | 32,760,000 | 31,602,000 | 35,033,000 |