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 | 149,498,000 | 151,497,000 | 165,803,000 | 173,001,000 |
| Total loans | 124,736,000 | 130,654,000 | 141,554,000 | 144,499,000 |
| Allowance for loan losses | 1,767,000 | 1,819,000 | 1,800,000 | 3,043,000 |
| Securities available for sale | 10,975,000 | 10,906,000 | 12,195,000 | 13,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,508,000 | 118,880,000 | 126,145,000 | 150,698,000 |
| Interest-bearing deposits | 100,720,000 | 104,462,000 | 112,036,000 | 136,780,000 |
| Noninterest-bearing deposits | 16,788,000 | 14,418,000 | 14,108,000 | 13,918,000 |
| Equity capital | 11,584,000 | 15,757,000 | 16,093,000 | 12,129,000 |
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 | 2,568,000 | 5,348,000 | 8,287,000 | 11,551,000 |
| Interest expense | 744,000 | 1,474,000 | 2,292,000 | 3,260,000 |
| Net interest income | 1,824,000 | 3,874,000 | 5,995,000 | 8,291,000 |
| Noninterest income | 230,000 | 479,000 | 704,000 | 1,023,000 |
| Noninterest expense | 1,214,000 | 2,537,000 | 4,308,000 | 5,787,000 |
| Provision for loan losses | 125,000 | 266,000 | 287,000 | 7,224,000 |
| Pretax income | 715,000 | 1,524,000 | 2,078,000 | -3,723,000 |
| Income tax | 274,000 | 569,000 | 763,000 | -1,464,000 |
| Net income | 441,000 | 955,000 | 1,315,000 | -2,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,543,000 | 15,812,000 | 16,064,000 | 11,585,000 |
| Total capital | 13,047,000 | 17,378,000 | 17,793,000 | 13,350,000 |
| Risk-weighted assets | 120,025,000 | 125,187,000 | 138,229,000 | 139,874,000 |
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