Call reports 2005
FIRST NATIONAL BANK OF AVA, THE — 2005
What FIRST NATIONAL BANK OF AVA, 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 | 42,328,000 | 42,762,000 | 43,149,000 | 44,609,000 |
| Total loans | 28,482,000 | 29,310,000 | 30,974,000 | 30,868,000 |
| Allowance for loan losses | 586,000 | 577,000 | 580,000 | 560,000 |
| Securities available for sale | 5,590,000 | 5,117,000 | 9,268,000 | 10,756,000 |
| Securities held to maturity | 5,126,000 | 5,528,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,122,000 | 37,453,000 | 37,689,000 | 38,440,000 |
| Interest-bearing deposits | 33,052,000 | 33,182,000 | 33,254,000 | 34,199,000 |
| Noninterest-bearing deposits | 4,070,000 | 4,271,000 | 4,435,000 | 4,241,000 |
| Equity capital | 5,005,000 | 5,104,000 | 5,216,000 | 5,229,000 |
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 | 647,000 | 1,305,000 | 1,988,000 | 2,696,000 |
| Interest expense | 210,000 | 427,000 | 647,000 | 876,000 |
| Net interest income | 437,000 | 878,000 | 1,341,000 | 1,820,000 |
| Noninterest income | 46,000 | 80,000 | 115,000 | 153,000 |
| Noninterest expense | 333,000 | 621,000 | 923,000 | 1,223,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 323,000 | 521,000 | 738,000 |
| Income tax | 39,000 | 86,000 | 144,000 | 208,000 |
| Net income | 111,000 | 237,000 | 377,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,060,000 | 5,117,000 | 5,191,000 | 5,300,000 |
| Total capital | 5,417,000 | 5,494,000 | 5,571,000 | 5,697,000 |
| Risk-weighted assets | 28,279,000 | 29,689,000 | 30,385,000 | 31,627,000 |
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