Call reports 2005
FIRST NATIONAL BANK — 2005
What FIRST NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,638,000 | 50,080,000 | 50,759,000 | 52,709,000 |
| Total loans | 31,362,000 | 33,106,000 | 31,247,000 | 30,255,000 |
| Allowance for loan losses | 369,000 | 342,000 | 380,000 | 347,000 |
| Securities available for sale | 12,126,000 | 12,049,000 | 12,773,000 | 14,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,804,000 | 42,864,000 | 43,487,000 | 45,578,000 |
| Interest-bearing deposits | 38,653,000 | 37,729,000 | 37,378,000 | 38,509,000 |
| Noninterest-bearing deposits | 6,151,000 | 5,135,000 | 6,109,000 | 7,069,000 |
| Equity capital | 6,479,000 | 6,779,000 | 6,770,000 | 6,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,514,000 | 2,271,000 | 3,039,000 |
| Interest expense | 178,000 | 386,000 | 611,000 | 867,000 |
| Net interest income | 535,000 | 1,128,000 | 1,660,000 | 2,172,000 |
| Noninterest income | 73,000 | 151,000 | 230,000 | 308,000 |
| Noninterest expense | 388,000 | 747,000 | 1,173,000 | 1,571,000 |
| Provision for loan losses | 15,000 | 15,000 | 55,000 | 75,000 |
| Pretax income | 205,000 | 517,000 | 662,000 | 834,000 |
| Income tax | 14,000 | 36,000 | 46,000 | 59,000 |
| Net income | 191,000 | 481,000 | 616,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,514,000 | 6,745,000 | 6,797,000 | 6,787,000 |
| Total capital | 6,883,000 | 7,087,000 | 7,177,000 | 7,134,000 |
| Risk-weighted assets | 33,341,000 | 34,481,000 | 33,402,000 | 32,991,000 |
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