Call reports 2004
FIRST NATIONAL BANK OF NASSAU COUNTY — 2004
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 120,717,000 | 133,381,000 | 137,671,000 | 141,799,000 |
| Total loans | 88,874,000 | 83,804,000 | 82,038,000 | 92,289,000 |
| Allowance for loan losses | 830,000 | 917,000 | 1,009,000 | 1,103,000 |
| Securities available for sale | 25,086,000 | 23,613,000 | 27,493,000 | 24,648,000 |
| Securities held to maturity | 0 | 14,364,000 | 14,576,000 | 14,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,954,000 | 102,217,000 | 105,899,000 | 102,560,000 |
| Interest-bearing deposits | 74,370,000 | 90,461,000 | 95,544,000 | 91,677,000 |
| Noninterest-bearing deposits | 12,584,000 | 11,756,000 | 10,355,000 | 10,883,000 |
| Equity capital | 12,911,000 | 12,797,000 | 13,278,000 | 13,512,000 |
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 | 1,384,000 | 3,012,000 | 4,748,000 | 6,616,000 |
| Interest expense | 345,000 | 817,000 | 1,399,000 | 2,055,000 |
| Net interest income | 1,039,000 | 2,195,000 | 3,349,000 | 4,561,000 |
| Noninterest income | 622,000 | 1,037,000 | 1,248,000 | 1,456,000 |
| Noninterest expense | 1,320,000 | 2,326,000 | 3,266,000 | 4,172,000 |
| Provision for loan losses | 56,000 | 188,000 | 232,000 | 326,000 |
| Pretax income | 400,000 | 833,000 | 1,214,000 | 1,634,000 |
| Income tax | 150,000 | 309,000 | 435,000 | 572,000 |
| Net income | 250,000 | 524,000 | 779,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,738,000 | 13,012,000 | 13,267,000 | 13,551,000 |
| Total capital | 13,568,000 | 14,053,000 | 14,400,000 | 14,798,000 |
| Risk-weighted assets | 94,436,000 | 98,391,000 | 104,248,000 | 114,287,000 |
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