Call reports 2004
FIRST NATIONAL BANK OF ALACHUA — 2004
What FIRST NATIONAL BANK OF ALACHUA 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 | 225,212,000 | 232,258,000 | 229,217,000 | 231,778,000 |
| Total loans | 125,874,000 | 122,488,000 | 119,845,000 | 120,705,000 |
| Allowance for loan losses | 1,953,000 | 1,937,000 | 1,904,000 | 1,912,000 |
| Securities available for sale | 563,000 | 546,000 | 539,000 | 527,000 |
| Securities held to maturity | 31,569,000 | 36,763,000 | 38,161,000 | 35,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,447,000 | 207,035,000 | 203,368,000 | 205,447,000 |
| Interest-bearing deposits | 159,584,000 | 161,063,000 | 159,064,000 | 157,359,000 |
| Noninterest-bearing deposits | 40,863,000 | 45,972,000 | 44,304,000 | 48,088,000 |
| Equity capital | 23,428,000 | 24,029,000 | 24,664,000 | 25,392,000 |
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 | 2,793,000 | 5,540,000 | 8,305,000 | 11,145,000 |
| Interest expense | 694,000 | 1,365,000 | 2,041,000 | 2,721,000 |
| Net interest income | 2,099,000 | 4,175,000 | 6,264,000 | 8,424,000 |
| Noninterest income | 529,000 | 989,000 | 1,446,000 | 1,895,000 |
| Noninterest expense | 1,707,000 | 3,307,000 | 4,864,000 | 6,280,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 921,000 | 1,857,000 | 2,846,000 | 4,041,000 |
| Income tax | 321,000 | 663,000 | 1,020,000 | 1,467,000 |
| Net income | 600,000 | 1,194,000 | 1,826,000 | 2,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,214,000 | 22,856,000 | 23,526,000 | 24,295,000 |
| Total capital | 24,029,000 | 24,684,000 | 25,340,000 | 26,107,000 |
| Risk-weighted assets | 145,079,000 | 146,133,000 | 145,069,000 | 144,893,000 |