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 | 483,604,000 | 482,194,000 | 492,511,000 | 481,380,000 |
| Total loans | 366,639,000 | 372,862,000 | 379,823,000 | 352,225,000 |
| Allowance for loan losses | 11,540,000 | 10,593,000 | 10,184,000 | 6,816,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 83,795,000 | 88,032,000 | 90,366,000 | 93,238,000 |
| Trading assets | 0 | 0 | 0 | 9,803,000 |
| Total deposits | 392,610,000 | 378,991,000 | 374,463,000 | 381,934,000 |
| Interest-bearing deposits | 348,566,000 | 334,168,000 | 327,425,000 | 329,052,000 |
| Noninterest-bearing deposits | 44,044,000 | 44,823,000 | 47,038,000 | 52,882,000 |
| Equity capital | 36,621,000 | 37,416,000 | 34,611,000 | 34,027,000 |
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 | 8,828,000 | 18,122,000 | 26,870,000 | 34,929,000 |
| Interest expense | 2,035,000 | 3,950,000 | 5,848,000 | 7,721,000 |
| Net interest income | 6,793,000 | 14,172,000 | 21,022,000 | 27,208,000 |
| Noninterest income | 874,000 | 1,994,000 | 3,175,000 | -1,368,000 |
| Noninterest expense | 3,634,000 | 7,463,000 | 10,965,000 | 14,833,000 |
| Provision for loan losses | 3,318,000 | 5,618,000 | 7,943,000 | 4,544,000 |
| Pretax income | 715,000 | 3,085,000 | 5,289,000 | 6,463,000 |
| Income tax | 237,000 | 1,062,000 | 1,821,000 | 2,225,000 |
| Net income | 478,000 | 2,023,000 | 3,468,000 | 4,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,774,000 | 36,569,000 | 33,764,000 | 33,180,000 |
| Total capital | 40,550,000 | 41,179,000 | 38,437,000 | 37,858,000 |
| Risk-weighted assets | 375,330,000 | 362,802,000 | 368,323,000 | 372,142,000 |