Call reports 2004
FIRST NATIONAL BANK OF ELMER — 2004
What FIRST NATIONAL BANK OF ELMER 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 | 181,944,000 | 189,108,000 | 196,969,000 | 197,385,000 |
| Total loans | 154,390,000 | 156,665,000 | 162,172,000 | 170,528,000 |
| Allowance for loan losses | 1,551,000 | 1,615,000 | 1,654,000 | 1,618,000 |
| Securities available for sale | 6,792,000 | 9,202,000 | 11,278,000 | 11,087,000 |
| Securities held to maturity | 8,439,000 | 4,754,000 | 5,754,000 | 5,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,525,000 | 171,882,000 | 179,305,000 | 177,880,000 |
| Interest-bearing deposits | 131,777,000 | 137,055,000 | 140,687,000 | 141,640,000 |
| Noninterest-bearing deposits | 30,748,000 | 34,827,000 | 38,618,000 | 36,240,000 |
| Equity capital | 16,805,000 | 16,506,000 | 16,317,000 | 16,777,000 |
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 | 2,626,000 | 5,293,000 | 8,026,000 | 10,940,000 |
| Interest expense | 510,000 | 1,036,000 | 1,593,000 | 2,188,000 |
| Net interest income | 2,116,000 | 4,257,000 | 6,433,000 | 8,752,000 |
| Noninterest income | 212,000 | 421,000 | 654,000 | 903,000 |
| Noninterest expense | 1,287,000 | 2,801,000 | 4,284,000 | 6,044,000 |
| Provision for loan losses | 62,000 | 123,000 | 184,000 | 245,000 |
| Pretax income | 979,000 | 1,754,000 | 2,619,000 | 3,366,000 |
| Income tax | 391,000 | 721,000 | 1,096,000 | 1,355,000 |
| Net income | 588,000 | 1,033,000 | 1,523,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,796,000 | 16,546,000 | 16,340,000 | 16,828,000 |
| Total capital | 18,347,000 | 18,161,000 | 17,994,000 | 18,446,000 |
| Risk-weighted assets | 146,133,000 | 147,405,000 | 151,481,000 | 159,839,000 |