Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST NATIONAL BANK 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 | 456,461,000 | 463,679,000 | 445,531,000 | 441,158,000 |
| Total loans | 371,160,000 | 365,001,000 | 366,473,000 | 372,593,000 |
| Allowance for loan losses | 4,877,000 | 5,001,000 | 5,211,000 | 4,226,000 |
| Securities available for sale | 56,121,000 | 50,771,000 | 48,318,000 | 47,948,000 |
| Securities held to maturity | 952,000 | 2,250,000 | 2,236,000 | 2,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,780,000 | 420,772,000 | 403,805,000 | 397,885,000 |
| Interest-bearing deposits | 368,033,000 | 370,801,000 | 352,152,000 | 352,939,000 |
| Noninterest-bearing deposits | 44,747,000 | 49,971,000 | 51,653,000 | 44,946,000 |
| Equity capital | 34,304,000 | 33,645,000 | 32,267,000 | 28,672,000 |
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 | 6,318,000 | 12,805,000 | 19,074,000 | 25,526,000 |
| Interest expense | 1,662,000 | 3,342,000 | 5,003,000 | 6,698,000 |
| Net interest income | 4,656,000 | 9,463,000 | 14,071,000 | 18,828,000 |
| Noninterest income | 637,000 | 1,370,000 | 2,206,000 | 2,975,000 |
| Noninterest expense | 2,848,000 | 5,800,000 | 8,918,000 | 11,476,000 |
| Provision for loan losses | 719,000 | 984,000 | 1,271,000 | 7,652,000 |
| Pretax income | 1,726,000 | 4,049,000 | 6,096,000 | 2,674,000 |
| Income tax | 29,000 | 60,000 | 87,000 | 33,000 |
| Net income | 1,697,000 | 3,989,000 | 6,009,000 | 2,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,821,000 | 33,912,000 | 31,883,000 | 28,527,000 |
| Total capital | 44,548,000 | 44,698,000 | 42,602,000 | 41,803,000 |
| Risk-weighted assets | 399,406,000 | 394,805,000 | 389,162,000 | 391,155,000 |