Call reports 2005
FIRST NATIONAL BANK IN FRANKFORT — 2005
What FIRST NATIONAL BANK IN FRANKFORT 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 | 29,286,000 | 29,319,000 | 28,835,000 | 28,089,000 |
| Total loans | 13,538,000 | 13,782,000 | 13,154,000 | 14,399,000 |
| Allowance for loan losses | 209,000 | 210,000 | 211,000 | 203,000 |
| Securities available for sale | 14,129,000 | 13,728,000 | 13,799,000 | 11,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,288,000 | 21,098,000 | 20,690,000 | 20,422,000 |
| Interest-bearing deposits | 18,124,000 | 18,153,000 | 17,323,000 | 17,066,000 |
| Noninterest-bearing deposits | 3,164,000 | 2,945,000 | 3,367,000 | 3,356,000 |
| Equity capital | 2,948,000 | 3,011,000 | 3,013,000 | 2,978,000 |
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 | 350,000 | 713,000 | 1,074,000 | 1,446,000 |
| Interest expense | 119,000 | 247,000 | 385,000 | 526,000 |
| Net interest income | 231,000 | 466,000 | 689,000 | 920,000 |
| Noninterest income | 40,000 | 70,000 | 108,000 | 149,000 |
| Noninterest expense | 195,000 | 405,000 | 611,000 | 794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 131,000 | 186,000 | 277,000 |
| Income tax | 2,000 | 12,000 | 14,000 | 18,000 |
| Net income | 74,000 | 119,000 | 172,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,012,000 | 3,045,000 | 3,086,000 | 3,160,000 |
| Total capital | 3,221,000 | 3,255,000 | 3,297,000 | 3,363,000 |
| Risk-weighted assets | 18,818,000 | 19,063,000 | 18,558,000 | 19,015,000 |
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