Call reports 2004
FIRST NATIONAL BANK OF BENTON — 2004
What FIRST NATIONAL BANK OF BENTON 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 | 47,371,000 | 46,172,000 | 46,042,000 | 59,136,000 |
| Total loans | 16,455,000 | 16,563,000 | 15,465,000 | 14,934,000 |
| Allowance for loan losses | 522,000 | 494,000 | 493,000 | 488,000 |
| Securities available for sale | 24,456,000 | 24,948,000 | 23,585,000 | 26,429,000 |
| Securities held to maturity | 528,000 | 488,000 | 488,000 | 488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,213,000 | 39,149,000 | 38,732,000 | 52,442,000 |
| Interest-bearing deposits | 33,601,000 | 32,262,000 | 31,322,000 | 44,167,000 |
| Noninterest-bearing deposits | 6,612,000 | 6,887,000 | 7,410,000 | 8,275,000 |
| Equity capital | 6,696,000 | 6,560,000 | 6,750,000 | 6,405,000 |
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 | 512,000 | 1,220,000 | 1,685,000 | 2,193,000 |
| Interest expense | 63,000 | 120,000 | 183,000 | 248,000 |
| Net interest income | 449,000 | 1,100,000 | 1,502,000 | 1,945,000 |
| Noninterest income | 60,000 | 128,000 | 194,000 | 246,000 |
| Noninterest expense | 289,000 | 668,000 | 980,000 | 1,323,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 220,000 | 560,000 | 716,000 | 868,000 |
| Income tax | 75,000 | 190,000 | 243,000 | 295,000 |
| Net income | 145,000 | 370,000 | 473,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,304,000 | 6,493,000 | 6,596,000 | 6,336,000 |
| Total capital | 6,478,000 | 6,662,000 | 6,763,000 | 6,529,000 |
| Risk-weighted assets | 13,581,000 | 13,292,000 | 13,186,000 | 15,137,000 |