Call reports 2005
FIRST NATIONAL BANK OF CLINTON — 2005
What FIRST NATIONAL BANK OF CLINTON 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 | 77,265,000 | 75,924,000 | 76,393,000 | 83,148,000 |
| Total loans | 61,673,000 | 62,577,000 | 65,530,000 | 67,317,000 |
| Allowance for loan losses | 639,000 | 656,000 | 666,000 | 727,000 |
| Securities available for sale | 5,009,000 | 4,428,000 | 4,127,000 | 3,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,899,000 | 67,414,000 | 67,318,000 | 75,442,000 |
| Interest-bearing deposits | 64,793,000 | 62,729,000 | 62,077,000 | 69,728,000 |
| Noninterest-bearing deposits | 5,106,000 | 4,685,000 | 5,241,000 | 5,714,000 |
| Equity capital | 6,650,000 | 6,808,000 | 6,853,000 | 6,753,000 |
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 | 1,089,000 | 2,215,000 | 3,391,000 | 4,674,000 |
| Interest expense | 277,000 | 573,000 | 899,000 | 1,302,000 |
| Net interest income | 812,000 | 1,642,000 | 2,492,000 | 3,372,000 |
| Noninterest income | 159,000 | 309,000 | 478,000 | 639,000 |
| Noninterest expense | 592,000 | 1,208,000 | 1,808,000 | 2,530,000 |
| Provision for loan losses | 0 | 19,000 | 35,000 | 86,000 |
| Pretax income | 379,000 | 715,000 | 1,122,000 | 1,390,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 379,000 | 715,000 | 1,122,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,682,000 | 6,818,000 | 6,875,000 | 6,818,000 |
| Total capital | 7,321,000 | 7,474,000 | 7,541,000 | 7,545,000 |
| Risk-weighted assets | 63,914,000 | 63,520,000 | 65,891,000 | 70,334,000 |
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