Call reports 2005
PRESTON NATIONAL BANK — 2005
What PRESTON NATIONAL BANK 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 | 48,228,000 | 49,496,000 | 48,511,000 | 51,558,000 |
| Total loans | 43,868,000 | 42,793,000 | 44,560,000 | 46,440,000 |
| Allowance for loan losses | 514,000 | 545,000 | 576,000 | 621,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,807,000 | 43,756,000 | 42,262,000 | 45,031,000 |
| Interest-bearing deposits | 26,459,000 | 25,272,000 | 24,466,000 | 25,830,000 |
| Noninterest-bearing deposits | 15,348,000 | 18,484,000 | 17,796,000 | 19,201,000 |
| Equity capital | 5,293,000 | 5,542,000 | 5,804,000 | 6,189,000 |
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 | 813,000 | 1,665,000 | 2,547,000 | 3,525,000 |
| Interest expense | 132,000 | 264,000 | 398,000 | 543,000 |
| Net interest income | 681,000 | 1,401,000 | 2,149,000 | 2,982,000 |
| Noninterest income | 263,000 | 537,000 | 703,000 | 969,000 |
| Noninterest expense | 617,000 | 1,217,000 | 1,824,000 | 2,493,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 282,000 | 631,000 | 893,000 | 1,278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 631,000 | 893,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,186,000 | 5,435,000 | 5,697,000 | 6,082,000 |
| Total capital | 5,660,000 | 5,908,000 | 6,175,000 | 6,589,000 |
| Risk-weighted assets | 38,046,000 | 37,819,000 | 38,131,000 | 40,485,000 |
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