Call reports 2005
FIRST NATIONAL BANK OF PANDORA, THE — 2005
What FIRST NATIONAL BANK OF PANDORA, THE 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 | 94,282,000 | 93,007,000 | 93,577,000 | 93,567,000 |
| Total loans | 55,311,000 | 55,017,000 | 54,563,000 | 53,014,000 |
| Allowance for loan losses | 2,369,000 | 2,449,000 | 1,683,000 | 1,481,000 |
| Securities available for sale | 31,510,000 | 29,945,000 | 28,762,000 | 28,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,699,000 | 79,474,000 | 79,656,000 | 79,848,000 |
| Interest-bearing deposits | 72,089,000 | 70,540,000 | 70,815,000 | 71,207,000 |
| Noninterest-bearing deposits | 8,610,000 | 8,934,000 | 8,841,000 | 8,641,000 |
| Equity capital | 8,795,000 | 8,896,000 | 9,267,000 | 9,135,000 |
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 | 1,254,000 | 2,494,000 | 3,745,000 | 5,008,000 |
| Interest expense | 435,000 | 862,000 | 1,312,000 | 1,802,000 |
| Net interest income | 819,000 | 1,632,000 | 2,433,000 | 3,206,000 |
| Noninterest income | 112,000 | 242,000 | 359,000 | 490,000 |
| Noninterest expense | 859,000 | 1,691,000 | 2,527,000 | 3,376,000 |
| Provision for loan losses | 0 | 0 | -600,000 | -790,000 |
| Pretax income | -70,000 | 41,000 | 602,000 | 561,000 |
| Income tax | -26,000 | 4,000 | 188,000 | 159,000 |
| Net income | -44,000 | 37,000 | 414,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,148,000 | 9,018,000 | 9,395,000 | 9,235,000 |
| Total capital | 9,921,000 | 9,789,000 | 10,158,000 | 9,989,000 |
| Risk-weighted assets | 60,235,000 | 59,972,000 | 60,091,000 | 59,588,000 |
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