Call reports 2004
FREMONT NATIONAL BANK AND TRUST COMPANY, THE — 2004
What FREMONT NATIONAL BANK AND TRUST COMPANY, THE 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 | 336,166,000 | 347,041,000 | 343,381,000 | 345,287,000 |
| Total loans | 268,631,000 | 279,088,000 | 281,494,000 | 257,289,000 |
| Allowance for loan losses | 9,175,000 | 8,724,000 | 8,500,000 | 5,441,000 |
| Securities available for sale | 0 | 0 | 0 | 4,784,000 |
| Securities held to maturity | 45,151,000 | 50,068,000 | 43,028,000 | 39,696,000 |
| Trading assets | 0 | 0 | 0 | 8,753,000 |
| Total deposits | 287,738,000 | 296,151,000 | 293,286,000 | 295,798,000 |
| Interest-bearing deposits | 249,986,000 | 257,422,000 | 253,628,000 | 255,143,000 |
| Noninterest-bearing deposits | 37,752,000 | 38,729,000 | 39,658,000 | 40,655,000 |
| Equity capital | 25,552,000 | 25,210,000 | 26,230,000 | 25,908,000 |
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 | 6,767,000 | 13,972,000 | 20,839,000 | 27,074,000 |
| Interest expense | 1,299,000 | 2,649,000 | 4,029,000 | 5,488,000 |
| Net interest income | 5,468,000 | 11,323,000 | 16,810,000 | 21,586,000 |
| Noninterest income | 988,000 | 2,191,000 | 3,376,000 | -407,000 |
| Noninterest expense | 2,500,000 | 5,384,000 | 7,889,000 | 10,547,000 |
| Provision for loan losses | 2,752,000 | 5,132,000 | 7,320,000 | 3,998,000 |
| Pretax income | 1,204,000 | 2,998,000 | 4,977,000 | 6,634,000 |
| Income tax | 443,000 | 1,079,000 | 1,788,000 | 2,382,000 |
| Net income | 761,000 | 1,919,000 | 3,189,000 | 4,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,956,000 | 23,614,000 | 24,634,000 | 24,323,000 |
| Total capital | 27,272,000 | 26,942,000 | 27,983,000 | 27,551,000 |
| Risk-weighted assets | 259,446,000 | 260,865,000 | 262,737,000 | 256,066,000 |