Call reports 2004
OKEY-VERNON FIRST NATIONAL BANK — 2004
What OKEY-VERNON 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 | 46,255,000 | 43,486,000 | 43,943,000 | 44,113,000 |
| Total loans | 15,113,000 | 15,858,000 | 15,293,000 | 14,480,000 |
| Allowance for loan losses | 249,000 | 194,000 | 174,000 | 174,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,945,000 | 23,833,000 | 22,346,000 | 24,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,527,000 | 36,931,000 | 37,238,000 | 37,349,000 |
| Interest-bearing deposits | 33,972,000 | 31,425,000 | 31,961,000 | 31,375,000 |
| Noninterest-bearing deposits | 5,555,000 | 5,506,000 | 5,277,000 | 5,974,000 |
| Equity capital | 5,788,000 | 5,928,000 | 6,074,000 | 6,114,000 |
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 | 480,000 | 958,000 | 1,436,000 | 1,921,000 |
| Interest expense | 92,000 | 180,000 | 259,000 | 345,000 |
| Net interest income | 388,000 | 778,000 | 1,177,000 | 1,576,000 |
| Noninterest income | 54,000 | 109,000 | 157,000 | 204,000 |
| Noninterest expense | 307,000 | 603,000 | 898,000 | 1,223,000 |
| Provision for loan losses | 30,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 105,000 | 251,000 | 403,000 | 524,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 99,000 | 239,000 | 385,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,788,000 | 5,928,000 | 6,074,000 | 6,114,000 |
| Total capital | 6,037,000 | 6,122,000 | 6,248,000 | 6,288,000 |
| Risk-weighted assets | 20,852,000 | 20,919,000 | 20,439,000 | 19,931,000 |