Call reports 2005
FIRST NATIONAL BANK OF MANCHESTER, THE — 2005
What FIRST NATIONAL BANK OF MANCHESTER, 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 | 141,833,000 | 140,231,000 | 143,770,000 | 139,091,000 |
| Total loans | 84,893,000 | 86,709,000 | 85,434,000 | 84,406,000 |
| Allowance for loan losses | 1,706,000 | 1,637,000 | 1,556,000 | 1,698,000 |
| Securities available for sale | 39,943,000 | 38,785,000 | 43,051,000 | 41,094,000 |
| Securities held to maturity | 7,051,000 | 6,571,000 | 6,503,000 | 6,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,431,000 | 118,074,000 | 115,985,000 | 113,060,000 |
| Interest-bearing deposits | 102,408,000 | 99,695,000 | 96,382,000 | 95,304,000 |
| Noninterest-bearing deposits | 18,023,000 | 18,379,000 | 19,603,000 | 17,756,000 |
| Equity capital | 20,004,000 | 20,569,000 | 20,547,000 | 20,039,000 |
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 | 1,857,000 | 3,791,000 | 5,799,000 | 7,804,000 |
| Interest expense | 514,000 | 1,108,000 | 1,774,000 | 2,440,000 |
| Net interest income | 1,343,000 | 2,683,000 | 4,025,000 | 5,364,000 |
| Noninterest income | 166,000 | 355,000 | 520,000 | 707,000 |
| Noninterest expense | 1,060,000 | 2,167,000 | 3,389,000 | 4,594,000 |
| Provision for loan losses | 45,000 | 90,000 | 180,000 | 330,000 |
| Pretax income | 377,000 | 747,000 | 942,000 | 1,113,000 |
| Income tax | 72,000 | 154,000 | 164,000 | 161,000 |
| Net income | 305,000 | 593,000 | 778,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,272,000 | 20,480,000 | 20,665,000 | 20,290,000 |
| Total capital | 21,414,000 | 21,636,000 | 21,823,000 | 21,411,000 |
| Risk-weighted assets | 90,834,000 | 92,008,000 | 92,261,000 | 89,065,000 |
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