Call reports 2005
FIRST NATIONAL BANK OF ALLENDALE, THE — 2005
What FIRST NATIONAL BANK OF ALLENDALE, 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 | 92,811,000 | 96,377,000 | 99,946,000 | 102,964,000 |
| Total loans | 58,398,000 | 63,640,000 | 66,130,000 | 67,831,000 |
| Allowance for loan losses | 724,000 | 722,000 | 732,000 | 725,000 |
| Securities available for sale | 29,063,000 | 27,627,000 | 27,305,000 | 25,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,715,000 | 74,971,000 | 79,410,000 | 83,470,000 |
| Interest-bearing deposits | 66,539,000 | 66,035,000 | 70,029,000 | 72,221,000 |
| Noninterest-bearing deposits | 9,176,000 | 8,936,000 | 9,381,000 | 11,249,000 |
| Equity capital | 11,478,000 | 11,630,000 | 11,814,000 | 11,859,000 |
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 | 1,196,000 | 2,443,000 | 3,787,000 | 5,180,000 |
| Interest expense | 365,000 | 767,000 | 1,245,000 | 1,759,000 |
| Net interest income | 831,000 | 1,676,000 | 2,542,000 | 3,421,000 |
| Noninterest income | 75,000 | 165,000 | 250,000 | 350,000 |
| Noninterest expense | 542,000 | 1,109,000 | 1,685,000 | 2,293,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 340,000 | 682,000 | 1,033,000 | 1,380,000 |
| Income tax | 94,000 | 188,000 | 285,000 | 352,000 |
| Net income | 246,000 | 494,000 | 748,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,517,000 | 11,590,000 | 11,865,000 | 11,769,000 |
| Total capital | 12,241,000 | 12,312,000 | 12,597,000 | 12,494,000 |
| Risk-weighted assets | 59,926,000 | 65,292,000 | 67,555,000 | 70,907,000 |
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