Call reports 2004
FIRST NATIONAL BANK OF CRESTVIEW — 2004
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 159,890,000 | 162,077,000 | 168,157,000 | 233,646,000 |
| Total loans | 79,078,000 | 88,010,000 | 100,775,000 | 105,413,000 |
| Allowance for loan losses | 803,000 | 819,000 | 851,000 | 885,000 |
| Securities available for sale | 54,986,000 | 54,850,000 | 48,098,000 | 111,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,184,000 | 139,008,000 | 143,847,000 | 208,866,000 |
| Interest-bearing deposits | 110,591,000 | 111,263,000 | 114,274,000 | 176,629,000 |
| Noninterest-bearing deposits | 25,593,000 | 27,745,000 | 29,573,000 | 32,237,000 |
| Equity capital | 22,614,000 | 22,258,000 | 23,345,000 | 23,641,000 |
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 | 1,855,000 | 3,848,000 | 6,035,000 | 8,462,000 |
| Interest expense | 434,000 | 875,000 | 1,353,000 | 1,986,000 |
| Net interest income | 1,421,000 | 2,973,000 | 4,682,000 | 6,476,000 |
| Noninterest income | 124,000 | 258,000 | 362,000 | 463,000 |
| Noninterest expense | 919,000 | 1,810,000 | 2,716,000 | 3,881,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 649,000 | 1,418,000 | 2,306,000 | 3,005,000 |
| Income tax | 203,000 | 450,000 | 743,000 | 945,000 |
| Net income | 446,000 | 968,000 | 1,563,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,240,000 | 22,674,000 | 23,207,000 | 23,625,000 |
| Total capital | 23,045,000 | 23,494,000 | 24,063,000 | 24,510,000 |
| Risk-weighted assets | 96,033,000 | 104,928,000 | 120,762,000 | 139,879,000 |