Call reports 2005
FIRST NATIONAL BANK OF IZARD COUNTY — 2005
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 121,776,000 | 121,261,000 | 120,700,000 | 130,349,000 |
| Total loans | 62,934,000 | 63,616,000 | 64,669,000 | 64,626,000 |
| Allowance for loan losses | 742,000 | 728,000 | 724,000 | 655,000 |
| Securities available for sale | 23,922,000 | 27,011,000 | 26,880,000 | 27,147,000 |
| Securities held to maturity | 9,587,000 | 9,416,000 | 9,296,000 | 9,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,148,000 | 90,977,000 | 89,819,000 | 99,454,000 |
| Interest-bearing deposits | 74,887,000 | 73,467,000 | 72,126,000 | 80,021,000 |
| Noninterest-bearing deposits | 17,261,000 | 17,510,000 | 17,693,000 | 19,433,000 |
| Equity capital | 28,873,000 | 29,709,000 | 30,262,000 | 30,273,000 |
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 | 1,526,000 | 3,124,000 | 4,799,000 | 6,488,000 |
| Interest expense | 352,000 | 737,000 | 1,174,000 | 1,672,000 |
| Net interest income | 1,174,000 | 2,387,000 | 3,625,000 | 4,816,000 |
| Noninterest income | 261,000 | 546,000 | 811,000 | 1,080,000 |
| Noninterest expense | 679,000 | 1,358,000 | 2,024,000 | 3,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 756,000 | 1,575,000 | 2,412,000 | 2,822,000 |
| Income tax | 210,000 | 400,000 | 600,000 | 845,000 |
| Net income | 546,000 | 1,175,000 | 1,812,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,322,000 | 29,951,000 | 29,936,000 | 29,792,000 |
| Total capital | 30,064,000 | 30,679,000 | 30,660,000 | 30,447,000 |
| Risk-weighted assets | 70,973,000 | 71,160,000 | 73,149,000 | 73,497,000 |