Call reports 2005
FIRST NATIONAL BANK IN STAUNTON, THE — 2005
What FIRST NATIONAL BANK IN STAUNTON, 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 | 326,167,000 | 356,454,000 | 359,669,000 | 362,933,000 |
| Total loans | 194,944,000 | 216,310,000 | 231,208,000 | 231,877,000 |
| Allowance for loan losses | 2,944,000 | 2,967,000 | 3,092,000 | 3,094,000 |
| Securities available for sale | 100,181,000 | 98,418,000 | 92,737,000 | 87,825,000 |
| Securities held to maturity | 1,008,000 | 1,004,000 | 1,001,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,948,000 | 305,859,000 | 307,507,000 | 308,370,000 |
| Interest-bearing deposits | 236,117,000 | 266,075,000 | 264,881,000 | 263,169,000 |
| Noninterest-bearing deposits | 33,831,000 | 39,784,000 | 42,626,000 | 45,202,000 |
| Equity capital | 33,631,000 | 34,173,000 | 34,578,000 | 35,432,000 |
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 | 3,875,000 | 8,281,000 | 12,928,000 | 17,646,000 |
| Interest expense | 1,350,000 | 2,874,000 | 4,495,000 | 6,219,000 |
| Net interest income | 2,525,000 | 5,407,000 | 8,433,000 | 11,427,000 |
| Noninterest income | 539,000 | 1,133,000 | 1,796,000 | 2,488,000 |
| Noninterest expense | 1,839,000 | 3,876,000 | 5,957,000 | 8,247,000 |
| Provision for loan losses | 0 | 20,000 | 130,000 | 325,000 |
| Pretax income | 1,220,000 | 2,636,000 | 4,134,000 | 5,237,000 |
| Income tax | 14,000 | 29,000 | 47,000 | 53,000 |
| Net income | 1,206,000 | 2,607,000 | 4,087,000 | 5,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,741,000 | 28,361,000 | 29,079,000 | 30,261,000 |
| Total capital | 33,354,000 | 31,284,000 | 32,129,000 | 33,320,000 |
| Risk-weighted assets | 208,776,000 | 233,787,000 | 243,964,000 | 244,573,000 |
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