Call reports 2005
FIRST NATIONAL BANK OF WAKEFIELD, THE — 2005
What FIRST NATIONAL BANK OF WAKEFIELD, 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 | 44,951,000 | 46,340,000 | 47,508,000 | 45,269,000 |
| Total loans | 28,726,000 | 28,834,000 | 29,504,000 | 29,497,000 |
| Allowance for loan losses | 331,000 | 335,000 | 342,000 | 352,000 |
| Securities available for sale | 4,904,000 | 5,380,000 | 5,343,000 | 5,302,000 |
| Securities held to maturity | 7,209,000 | 7,073,000 | 7,072,000 | 7,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,016,000 | 41,281,000 | 42,371,000 | 40,327,000 |
| Interest-bearing deposits | 33,269,000 | 32,892,000 | 33,301,000 | 32,900,000 |
| Noninterest-bearing deposits | 6,747,000 | 8,390,000 | 9,070,000 | 7,427,000 |
| Equity capital | 4,665,000 | 4,749,000 | 4,758,000 | 4,748,000 |
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 | 697,000 | 1,424,000 | 2,164,000 | 2,906,000 |
| Interest expense | 184,000 | 384,000 | 595,000 | 814,000 |
| Net interest income | 513,000 | 1,040,000 | 1,569,000 | 2,092,000 |
| Noninterest income | 42,000 | 81,000 | 125,000 | 145,000 |
| Noninterest expense | 389,000 | 796,000 | 1,176,000 | 1,570,000 |
| Provision for loan losses | 6,000 | 24,000 | 29,000 | 49,000 |
| Pretax income | 160,000 | 301,000 | 489,000 | 584,000 |
| Income tax | 28,000 | 54,000 | 96,000 | 68,000 |
| Net income | 132,000 | 247,000 | 393,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,779,000 | 4,783,000 | 4,830,000 | 4,852,000 |
| Total capital | 5,100,000 | 5,105,000 | 5,169,000 | 5,183,000 |
| Risk-weighted assets | 25,695,000 | 26,124,000 | 27,083,000 | 26,429,000 |
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