Call reports 2004
SECOND NATIONAL BANK — 2004
What SECOND NATIONAL BANK 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 | 389,268,000 | 387,836,000 | 392,175,000 | 444,531,000 |
| Total loans | 186,507,000 | 187,736,000 | 192,194,000 | 196,577,000 |
| Allowance for loan losses | 4,274,000 | 4,303,000 | 4,349,000 | 4,361,000 |
| Securities available for sale | 181,318,000 | 179,834,000 | 182,125,000 | 177,193,000 |
| Securities held to maturity | 2,537,000 | 497,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,393,000 | 275,523,000 | 260,468,000 | 262,271,000 |
| Interest-bearing deposits | 239,358,000 | 240,684,000 | 227,297,000 | 221,091,000 |
| Noninterest-bearing deposits | 31,035,000 | 34,839,000 | 33,171,000 | 41,180,000 |
| Equity capital | 24,856,000 | 22,825,000 | 26,737,000 | 22,613,000 |
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 | 5,297,000 | 10,505,000 | 15,804,000 | 21,151,000 |
| Interest expense | 1,431,000 | 2,767,000 | 4,187,000 | 5,675,000 |
| Net interest income | 3,866,000 | 7,738,000 | 11,617,000 | 15,476,000 |
| Noninterest income | 517,000 | 1,108,000 | 1,632,000 | 2,146,000 |
| Noninterest expense | 2,083,000 | 3,876,000 | 5,711,000 | 7,616,000 |
| Provision for loan losses | 40,000 | 30,000 | 120,000 | -15,000 |
| Pretax income | 2,260,000 | 4,940,000 | 7,418,000 | 9,955,000 |
| Income tax | 688,000 | 1,528,000 | 2,300,000 | 3,096,000 |
| Net income | 1,572,000 | 3,412,000 | 5,118,000 | 6,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,626,000 | 23,470,000 | 25,178,000 | 21,321,000 |
| Total capital | 29,448,000 | 31,310,000 | 33,048,000 | 29,353,000 |
| Risk-weighted assets | 224,316,000 | 225,739,000 | 228,101,000 | 241,256,000 |