Call reports 2005
FIRST NATIONAL BANK IN PHILIP — 2005
What FIRST NATIONAL BANK IN PHILIP 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 | 116,266,000 | 120,624,000 | 122,920,000 | 116,665,000 |
| Total loans | 80,102,000 | 83,187,000 | 85,800,000 | 80,884,000 |
| Allowance for loan losses | 1,554,000 | 1,565,000 | 1,575,000 | 1,589,000 |
| Securities available for sale | 15,378,000 | 15,128,000 | 13,262,000 | 9,332,000 |
| Securities held to maturity | 9,540,000 | 10,079,000 | 9,938,000 | 9,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,104,000 | 88,786,000 | 89,165,000 | 98,071,000 |
| Interest-bearing deposits | 79,353,000 | 76,683,000 | 76,698,000 | 81,485,000 |
| Noninterest-bearing deposits | 11,751,000 | 12,103,000 | 12,467,000 | 16,586,000 |
| Equity capital | 16,752,000 | 16,920,000 | 17,052,000 | 17,206,000 |
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 | 1,666,000 | 3,428,000 | 5,304,000 | 7,175,000 |
| Interest expense | 461,000 | 992,000 | 1,656,000 | 2,295,000 |
| Net interest income | 1,205,000 | 2,436,000 | 3,648,000 | 4,880,000 |
| Noninterest income | 145,000 | 300,000 | 469,000 | 651,000 |
| Noninterest expense | 707,000 | 1,387,000 | 2,086,000 | 2,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 646,000 | 1,352,000 | 2,034,000 | 2,782,000 |
| Income tax | 183,000 | 391,000 | 598,000 | 811,000 |
| Net income | 463,000 | 961,000 | 1,436,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,718,000 | 16,917,000 | 17,090,000 | 17,326,000 |
| Total capital | 17,939,000 | 18,188,000 | 18,395,000 | 18,536,000 |
| Risk-weighted assets | 97,356,000 | 101,398,000 | 104,112,000 | 96,432,000 |
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