Call reports 2004
NORTHERN HANCOCK BANK & TRUST CO. — 2004
What NORTHERN HANCOCK BANK & TRUST CO. 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 | 23,727,000 | 24,583,000 | 25,174,000 | 24,987,000 |
| Total loans | 19,423,000 | 19,804,000 | 20,035,000 | 20,011,000 |
| Allowance for loan losses | 411,000 | 397,000 | 393,000 | 379,000 |
| Securities available for sale | 2,173,000 | 2,024,000 | 1,995,000 | 1,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,829,000 | 21,632,000 | 21,172,000 | 21,094,000 |
| Interest-bearing deposits | 17,575,000 | 18,444,000 | 17,662,000 | 17,925,000 |
| Noninterest-bearing deposits | 3,254,000 | 3,188,000 | 3,510,000 | 3,169,000 |
| Equity capital | 2,826,000 | 2,883,000 | 2,911,000 | 2,772,000 |
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 | 503,000 | 1,032,000 | 1,544,000 | 2,070,000 |
| Interest expense | 117,000 | 231,000 | 344,000 | 468,000 |
| Net interest income | 386,000 | 801,000 | 1,200,000 | 1,602,000 |
| Noninterest income | 33,000 | 195,000 | 238,000 | 283,000 |
| Noninterest expense | 305,000 | 630,000 | 938,000 | 1,219,000 |
| Provision for loan losses | 3,000 | 71,000 | 71,000 | 86,000 |
| Pretax income | 111,000 | 295,000 | 429,000 | 580,000 |
| Income tax | -3,000 | -3,000 | -3,000 | 171,000 |
| Net income | 114,000 | 298,000 | 432,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,825,000 | 2,913,000 | 2,923,000 | 2,798,000 |
| Total capital | 3,058,000 | 3,148,000 | 3,162,000 | 3,036,000 |
| Risk-weighted assets | 18,461,000 | 18,621,000 | 18,952,000 | 18,916,000 |