Call reports 2004
FIRST NATIONAL BANK OF COLERAINE, THE — 2004
What FIRST NATIONAL BANK OF COLERAINE, 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 | 59,374,000 | 58,247,000 | 58,789,000 | 59,661,000 |
| Total loans | 30,301,000 | 31,284,000 | 30,313,000 | 30,139,000 |
| Allowance for loan losses | 257,000 | 251,000 | 260,000 | 149,000 |
| Securities available for sale | 18,962,000 | 23,900,000 | 21,920,000 | 23,677,000 |
| Securities held to maturity | 130,000 | 111,000 | 100,000 | 89,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,961,000 | 50,562,000 | 52,282,000 | 53,790,000 |
| Interest-bearing deposits | 47,987,000 | 44,007,000 | 45,691,000 | 47,648,000 |
| Noninterest-bearing deposits | 5,974,000 | 6,555,000 | 6,591,000 | 6,142,000 |
| Equity capital | 4,786,000 | 4,329,000 | 4,392,000 | 4,275,000 |
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 | 685,000 | 1,367,000 | 2,062,000 | 2,729,000 |
| Interest expense | 254,000 | 508,000 | 761,000 | 1,020,000 |
| Net interest income | 431,000 | 859,000 | 1,301,000 | 1,709,000 |
| Noninterest income | 107,000 | 218,000 | 320,000 | 426,000 |
| Noninterest expense | 389,000 | 799,000 | 1,223,000 | 1,699,000 |
| Provision for loan losses | 12,000 | 294,000 | 644,000 | 742,000 |
| Pretax income | 137,000 | -16,000 | -246,000 | -306,000 |
| Income tax | 46,000 | 9,000 | -119,000 | -117,000 |
| Net income | 91,000 | -25,000 | -127,000 | -189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,651,000 | 4,535,000 | 4,433,000 | 4,371,000 |
| Total capital | 4,908,000 | 4,811,000 | 4,718,000 | 4,520,000 |
| Risk-weighted assets | 30,215,000 | 30,587,000 | 30,657,000 | 30,778,000 |