Call reports 2004
FIRST NATIONAL BANK USA — 2004
What FIRST NATIONAL BANK USA 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 | 129,996,000 | 134,113,000 | 135,510,000 | 142,997,000 |
| Total loans | 118,412,000 | 118,873,000 | 124,636,000 | 133,264,000 |
| Allowance for loan losses | 1,090,000 | 1,096,000 | 1,096,000 | 1,251,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,830,000 | 114,433,000 | 110,374,000 | 118,302,000 |
| Interest-bearing deposits | 89,606,000 | 88,104,000 | 87,479,000 | 95,564,000 |
| Noninterest-bearing deposits | 21,224,000 | 26,329,000 | 22,895,000 | 22,738,000 |
| Equity capital | 11,672,000 | 14,964,000 | 15,558,000 | 15,853,000 |
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 | 2,047,000 | 4,100,000 | 6,308,000 | 8,619,000 |
| Interest expense | 476,000 | 949,000 | 1,424,000 | 1,951,000 |
| Net interest income | 1,571,000 | 3,151,000 | 4,884,000 | 6,668,000 |
| Noninterest income | 636,000 | 1,303,000 | 1,909,000 | 2,456,000 |
| Noninterest expense | 1,510,000 | 3,115,000 | 4,732,000 | 6,364,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 240,000 |
| Pretax income | 657,000 | 1,299,000 | 2,021,000 | 2,520,000 |
| Income tax | 222,000 | 420,000 | 668,000 | 835,000 |
| Net income | 435,000 | 879,000 | 1,353,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,672,000 | 14,964,000 | 15,558,000 | 15,853,000 |
| Total capital | 12,762,000 | 16,060,000 | 16,654,000 | 17,104,000 |
| Risk-weighted assets | 104,115,000 | 107,545,000 | 111,666,000 | 119,209,000 |