Call reports 2005
FIRST NATIONAL BANK OF GIRARD — 2005
What FIRST NATIONAL BANK OF GIRARD 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 | 65,697,000 | 66,552,000 | 66,743,000 | 74,260,000 |
| Total loans | 43,101,000 | 43,821,000 | 44,778,000 | 45,024,000 |
| Allowance for loan losses | 779,000 | 782,000 | 811,000 | 533,000 |
| Securities available for sale | 19,404,000 | 19,783,000 | 20,251,000 | 22,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,712,000 | 55,595,000 | 54,554,000 | 61,720,000 |
| Interest-bearing deposits | 47,617,000 | 48,482,000 | 44,781,000 | 51,453,000 |
| Noninterest-bearing deposits | 7,095,000 | 7,114,000 | 9,774,000 | 10,267,000 |
| Equity capital | 6,662,000 | 6,779,000 | 6,909,000 | 6,855,000 |
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 | 841,000 | 1,709,000 | 2,612,000 | 3,552,000 |
| Interest expense | 267,000 | 567,000 | 903,000 | 1,292,000 |
| Net interest income | 574,000 | 1,142,000 | 1,709,000 | 2,260,000 |
| Noninterest income | 94,000 | 189,000 | 320,000 | 400,000 |
| Noninterest expense | 315,000 | 617,000 | 975,000 | 1,432,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 40,000 |
| Pretax income | 338,000 | 684,000 | 1,024,000 | 1,188,000 |
| Income tax | 13,000 | 27,000 | 42,000 | 48,000 |
| Net income | 325,000 | 657,000 | 982,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,752,000 | 6,825,000 | 6,979,000 | 6,968,000 |
| Total capital | 7,311,000 | 7,363,000 | 7,528,000 | 7,349,000 |
| Risk-weighted assets | 44,637,000 | 42,822,000 | 43,670,000 | 30,345,000 |
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