Call reports 2005
FIRST NATIONAL BANK OF DECATUR COUNTY — 2005
What FIRST NATIONAL BANK OF DECATUR COUNTY 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 | 39,094,000 | 39,097,000 | 44,007,000 | 54,807,000 |
| Total loans | 27,290,000 | 30,342,000 | 32,811,000 | 36,077,000 |
| Allowance for loan losses | 295,000 | 316,000 | 357,000 | 435,000 |
| Securities available for sale | 3,738,000 | 3,832,000 | 4,459,000 | 5,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,470,000 | 33,266,000 | 38,000,000 | 48,605,000 |
| Interest-bearing deposits | 27,647,000 | 28,593,000 | 31,579,000 | 37,375,000 |
| Noninterest-bearing deposits | 5,823,000 | 4,673,000 | 6,421,000 | 11,230,000 |
| Equity capital | 5,504,000 | 5,659,000 | 5,810,000 | 5,935,000 |
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 | 507,000 | 1,088,000 | 1,752,000 | 2,526,000 |
| Interest expense | 134,000 | 317,000 | 536,000 | 825,000 |
| Net interest income | 373,000 | 771,000 | 1,216,000 | 1,701,000 |
| Noninterest income | 65,000 | 137,000 | 231,000 | 320,000 |
| Noninterest expense | 273,000 | 574,000 | 905,000 | 1,242,000 |
| Provision for loan losses | 45,000 | 84,000 | 129,000 | 207,000 |
| Pretax income | 120,000 | 250,000 | 413,000 | 572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | 250,000 | 413,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,540,000 | 5,671,000 | 5,833,000 | 5,993,000 |
| Total capital | 5,835,000 | 5,987,000 | 6,190,000 | 6,428,000 |
| Risk-weighted assets | 27,528,000 | 29,942,000 | 33,012,000 | 38,085,000 |
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