Call reports 2005
NATIONAL BANK OF WALTON COUNTY, THE — 2005
What NATIONAL BANK OF WALTON COUNTY, 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 | 232,139,000 | 236,511,000 | 246,911,000 | 256,015,000 |
| Total loans | 172,317,000 | 179,474,000 | 188,225,000 | 194,051,000 |
| Allowance for loan losses | 2,354,000 | 2,462,000 | 2,444,000 | 2,560,000 |
| Securities available for sale | 48,923,000 | 46,433,000 | 47,484,000 | 47,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,585,000 | 196,295,000 | 197,701,000 | 200,476,000 |
| Interest-bearing deposits | 157,056,000 | 157,066,000 | 160,490,000 | 161,615,000 |
| Noninterest-bearing deposits | 36,529,000 | 39,229,000 | 37,211,000 | 38,861,000 |
| Equity capital | 16,314,000 | 16,744,000 | 17,299,000 | 17,735,000 |
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 | 3,096,000 | 6,389,000 | 10,001,000 | 13,868,000 |
| Interest expense | 754,000 | 1,640,000 | 2,722,000 | 4,009,000 |
| Net interest income | 2,342,000 | 4,749,000 | 7,279,000 | 9,859,000 |
| Noninterest income | 575,000 | 1,147,000 | 1,740,000 | 2,275,000 |
| Noninterest expense | 1,382,000 | 2,777,000 | 4,209,000 | 5,648,000 |
| Provision for loan losses | 60,000 | 275,000 | 275,000 | 415,000 |
| Pretax income | 1,475,000 | 2,844,000 | 4,535,000 | 6,073,000 |
| Income tax | 536,000 | 1,037,000 | 1,662,000 | 2,229,000 |
| Net income | 939,000 | 1,807,000 | 2,873,000 | 3,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,745,000 | 16,971,000 | 17,697,000 | 18,258,000 |
| Total capital | 19,012,000 | 19,322,000 | 20,141,000 | 20,789,000 |
| Risk-weighted assets | 181,296,000 | 187,955,000 | 196,445,000 | 202,446,000 |