Call reports 2004
FIRST NATIONAL BANK — 2004
What FIRST 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 | 218,036,000 | 210,905,000 | 209,976,000 | 215,449,000 |
| Total loans | 160,471,000 | 161,927,000 | 161,017,000 | 165,627,000 |
| Allowance for loan losses | 2,115,000 | 2,032,000 | 1,720,000 | 1,672,000 |
| Securities available for sale | 5,765,000 | 6,485,000 | 5,966,000 | 8,623,000 |
| Securities held to maturity | 694,000 | 689,000 | 211,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,561,000 | 191,214,000 | 190,115,000 | 195,495,000 |
| Interest-bearing deposits | 173,555,000 | 165,156,000 | 162,658,000 | 166,128,000 |
| Noninterest-bearing deposits | 24,006,000 | 26,058,000 | 27,457,000 | 29,367,000 |
| Equity capital | 16,420,000 | 16,574,000 | 16,729,000 | 16,829,000 |
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 | 2,660,000 | 5,237,000 | 7,900,000 | 10,650,000 |
| Interest expense | 964,000 | 1,852,000 | 2,708,000 | 3,592,000 |
| Net interest income | 1,696,000 | 3,385,000 | 5,192,000 | 7,058,000 |
| Noninterest income | 322,000 | 686,000 | 1,018,000 | 1,447,000 |
| Noninterest expense | 1,713,000 | 3,352,000 | 5,065,000 | 6,837,000 |
| Provision for loan losses | 85,000 | 175,000 | 295,000 | 500,000 |
| Pretax income | 220,000 | 544,000 | 856,000 | 1,174,000 |
| Income tax | 41,000 | 121,000 | 199,000 | 280,000 |
| Net income | 179,000 | 423,000 | 657,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,303,000 | 16,547,000 | 16,653,000 | 16,757,000 |
| Total capital | 18,096,000 | 18,346,000 | 18,373,000 | 18,429,000 |
| Risk-weighted assets | 143,151,000 | 143,726,000 | 143,271,000 | 145,427,000 |