Call reports 2004
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2004
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA 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 | 178,006,000 | 175,945,000 | 180,353,000 | 187,093,000 |
| Total loans | 103,739,000 | 105,100,000 | 107,000,000 | 114,237,000 |
| Allowance for loan losses | 825,000 | 850,000 | 850,000 | 875,000 |
| Securities available for sale | 59,187,000 | 59,293,000 | 62,532,000 | 63,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,506,000 | 153,230,000 | 156,373,000 | 161,145,000 |
| Interest-bearing deposits | 146,113,000 | 146,815,000 | 149,157,000 | 152,802,000 |
| Noninterest-bearing deposits | 6,393,000 | 6,415,000 | 7,216,000 | 8,343,000 |
| Equity capital | 17,887,000 | 16,020,000 | 17,263,000 | 17,385,000 |
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 | 2,065,000 | 4,106,000 | 6,247,000 | 8,513,000 |
| Interest expense | 708,000 | 1,425,000 | 2,170,000 | 3,024,000 |
| Net interest income | 1,357,000 | 2,681,000 | 4,077,000 | 5,489,000 |
| Noninterest income | 379,000 | 699,000 | 1,043,000 | 1,356,000 |
| Noninterest expense | 925,000 | 1,916,000 | 2,875,000 | 3,970,000 |
| Provision for loan losses | 55,000 | 93,000 | 107,000 | 206,000 |
| Pretax income | 786,000 | 1,401,000 | 2,179,000 | 2,710,000 |
| Income tax | 7,000 | 12,000 | 18,000 | 19,000 |
| Net income | 779,000 | 1,389,000 | 2,161,000 | 2,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,343,000 | 16,003,000 | 16,335,000 | 16,875,000 |
| Total capital | 17,168,000 | 16,853,000 | 17,185,000 | 17,750,000 |
| Risk-weighted assets | 108,316,000 | 109,602,000 | 111,661,000 | 120,198,000 |
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