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 | 87,582,000 | 86,667,000 | 87,183,000 | 84,867,000 |
| Total loans | 58,172,000 | 58,891,000 | 56,275,000 | 49,607,000 |
| Allowance for loan losses | 622,000 | 1,395,000 | 1,236,000 | 1,684,000 |
| Securities available for sale | 23,832,000 | 23,253,000 | 23,676,000 | 29,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,254,000 | 73,632,000 | 74,436,000 | 72,319,000 |
| Interest-bearing deposits | 65,355,000 | 64,288,000 | 65,578,000 | 64,370,000 |
| Noninterest-bearing deposits | 8,899,000 | 9,344,000 | 8,858,000 | 7,949,000 |
| Equity capital | 12,345,000 | 11,878,000 | 12,077,000 | 11,905,000 |
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 | 1,292,000 | 2,584,000 | 4,010,000 | 5,255,000 |
| Interest expense | 295,000 | 579,000 | 868,000 | 1,153,000 |
| Net interest income | 997,000 | 2,005,000 | 3,142,000 | 4,102,000 |
| Noninterest income | 226,000 | 410,000 | 425,000 | 516,000 |
| Noninterest expense | 521,000 | 1,044,000 | 1,736,000 | 2,339,000 |
| Provision for loan losses | 25,000 | 875,000 | 1,435,000 | 2,025,000 |
| Pretax income | 677,000 | 496,000 | 396,000 | 254,000 |
| Income tax | 249,000 | 152,000 | 133,000 | 51,000 |
| Net income | 428,000 | 344,000 | 263,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,998,000 | 11,928,000 | 11,860,000 | 11,813,000 |
| Total capital | 12,620,000 | 12,692,000 | 12,557,000 | 12,497,000 |
| Risk-weighted assets | 62,005,000 | 60,521,000 | 55,244,000 | 54,121,000 |