Call reports 2005
FIRST NATIONAL BANK IN CRESTON, THE — 2005
What FIRST NATIONAL BANK IN CRESTON, 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 | 153,316,000 | 155,437,000 | 155,126,000 | 161,299,000 |
| Total loans | 109,324,000 | 114,168,000 | 116,697,000 | 119,234,000 |
| Allowance for loan losses | 1,148,000 | 1,178,000 | 1,211,000 | 961,000 |
| Securities available for sale | 35,288,000 | 33,408,000 | 28,149,000 | 28,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,728,000 | 134,723,000 | 137,345,000 | 147,789,000 |
| Interest-bearing deposits | 124,758,000 | 124,383,000 | 126,829,000 | 134,201,000 |
| Noninterest-bearing deposits | 13,970,000 | 10,340,000 | 10,516,000 | 13,588,000 |
| Equity capital | 13,131,000 | 12,132,000 | 12,152,000 | 12,115,000 |
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 | 2,021,000 | 4,170,000 | 6,392,000 | 8,678,000 |
| Interest expense | 704,000 | 1,456,000 | 2,293,000 | 3,194,000 |
| Net interest income | 1,317,000 | 2,714,000 | 4,099,000 | 5,484,000 |
| Noninterest income | 489,000 | 989,000 | 1,470,000 | 1,938,000 |
| Noninterest expense | 1,048,000 | 2,138,000 | 3,313,000 | 4,592,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 728,000 | 1,517,000 | 2,159,000 | 2,709,000 |
| Income tax | 36,000 | 76,000 | 108,000 | 136,000 |
| Net income | 692,000 | 1,441,000 | 2,051,000 | 2,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,423,000 | 12,333,000 | 12,443,000 | 12,465,000 |
| Total capital | 14,571,000 | 13,511,000 | 13,654,000 | 13,426,000 |
| Risk-weighted assets | 117,292,000 | 120,824,000 | 122,732,000 | 126,413,000 |
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