Call reports 2004
FIRST NATIONAL BANK OF PANA — 2004
What FIRST NATIONAL BANK OF PANA 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 | 93,475,000 | 93,746,000 | 92,109,000 | 94,200,000 |
| Total loans | 62,112,000 | 61,854,000 | 63,233,000 | 65,526,000 |
| Allowance for loan losses | 806,000 | 833,000 | 849,000 | 907,000 |
| Securities available for sale | 11,582,000 | 11,588,000 | 10,546,000 | 10,119,000 |
| Securities held to maturity | 7,804,000 | 7,720,000 | 7,842,000 | 7,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,666,000 | 82,101,000 | 80,479,000 | 82,422,000 |
| Interest-bearing deposits | 72,872,000 | 72,384,000 | 72,402,000 | 72,454,000 |
| Noninterest-bearing deposits | 8,794,000 | 9,717,000 | 8,077,000 | 9,968,000 |
| Equity capital | 10,864,000 | 10,771,000 | 10,869,000 | 10,923,000 |
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 | 1,202,000 | 2,412,000 | 3,635,000 | 4,891,000 |
| Interest expense | 384,000 | 764,000 | 1,144,000 | 1,527,000 |
| Net interest income | 818,000 | 1,648,000 | 2,491,000 | 3,364,000 |
| Noninterest income | 160,000 | 315,000 | 463,000 | 625,000 |
| Noninterest expense | 580,000 | 1,154,000 | 1,741,000 | 2,417,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 375,000 | 764,000 | 1,145,000 | 1,482,000 |
| Income tax | 116,000 | 237,000 | 353,000 | 398,000 |
| Net income | 259,000 | 527,000 | 792,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,743,000 | 10,854,000 | 10,863,000 | 10,910,000 |
| Total capital | 11,505,000 | 11,595,000 | 11,608,000 | 11,693,000 |
| Risk-weighted assets | 60,173,000 | 59,182,000 | 59,445,000 | 62,487,000 |