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 | 38,854,000 | 38,269,000 | 39,480,000 | 40,434,000 |
| Total loans | 26,467,000 | 27,480,000 | 27,438,000 | 27,403,000 |
| Allowance for loan losses | 309,000 | 305,000 | 304,000 | 355,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,002,000 | 4,001,000 | 4,001,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,778,000 | 34,096,000 | 35,170,000 | 36,304,000 |
| Interest-bearing deposits | 26,472,000 | 27,336,000 | 28,282,000 | 28,688,000 |
| Noninterest-bearing deposits | 8,306,000 | 6,760,000 | 6,888,000 | 7,616,000 |
| Equity capital | 3,875,000 | 3,997,000 | 4,104,000 | 3,952,000 |
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 | 558,000 | 1,151,000 | 1,760,000 | 2,394,000 |
| Interest expense | 91,000 | 187,000 | 306,000 | 442,000 |
| Net interest income | 467,000 | 964,000 | 1,454,000 | 1,952,000 |
| Noninterest income | 74,000 | 159,000 | 231,000 | 308,000 |
| Noninterest expense | 374,000 | 759,000 | 1,139,000 | 1,556,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 85,000 |
| Pretax income | 167,000 | 359,000 | 526,000 | 619,000 |
| Income tax | 61,000 | 131,000 | 191,000 | 210,000 |
| Net income | 106,000 | 228,000 | 335,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,875,000 | 3,997,000 | 4,104,000 | 3,952,000 |
| Total capital | 4,157,000 | 4,284,000 | 4,395,000 | 4,249,000 |
| Risk-weighted assets | 22,526,000 | 22,981,000 | 23,238,000 | 23,685,000 |
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