Call reports 2005
FIRST NATIONAL BANK AT DARLINGTON — 2005
What FIRST NATIONAL BANK AT DARLINGTON 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 | 62,931,000 | 63,711,000 | 64,169,000 | 69,633,000 |
| Total loans | 37,791,000 | 39,128,000 | 41,605,000 | 42,887,000 |
| Allowance for loan losses | 508,000 | 512,000 | 528,000 | 522,000 |
| Securities available for sale | 19,787,000 | 19,334,000 | 19,420,000 | 19,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,970,000 | 55,586,000 | 54,346,000 | 61,418,000 |
| Interest-bearing deposits | 48,938,000 | 50,387,000 | 49,043,000 | 54,559,000 |
| Noninterest-bearing deposits | 6,032,000 | 5,199,000 | 5,303,000 | 6,859,000 |
| Equity capital | 7,707,000 | 7,868,000 | 7,965,000 | 7,934,000 |
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 | 774,000 | 1,612,000 | 2,501,000 | 3,434,000 |
| Interest expense | 281,000 | 585,000 | 919,000 | 1,287,000 |
| Net interest income | 493,000 | 1,027,000 | 1,582,000 | 2,147,000 |
| Noninterest income | 100,000 | 205,000 | 320,000 | 437,000 |
| Noninterest expense | 452,000 | 891,000 | 1,358,000 | 1,893,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 126,000 | 311,000 | 499,000 | 631,000 |
| Income tax | 8,000 | 46,000 | 90,000 | 114,000 |
| Net income | 118,000 | 265,000 | 409,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,683,000 | 7,780,000 | 7,924,000 | 7,982,000 |
| Total capital | 8,191,000 | 8,292,000 | 8,452,000 | 8,504,000 |
| Risk-weighted assets | 44,967,000 | 45,152,000 | 45,364,000 | 49,863,000 |