Call reports 2005
FALLS CITY NATIONAL BANK, THE — 2005
What FALLS CITY NATIONAL BANK, 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 | 106,240,000 | 106,293,000 | 105,384,000 | 110,648,000 |
| Total loans | 53,009,000 | 55,360,000 | 57,319,000 | 57,841,000 |
| Allowance for loan losses | 129,000 | 141,000 | 134,000 | 140,000 |
| Securities available for sale | 5,241,000 | 4,833,000 | 4,185,000 | 3,850,000 |
| Securities held to maturity | 28,514,000 | 27,898,000 | 26,116,000 | 26,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,940,000 | 93,592,000 | 92,250,000 | 97,693,000 |
| Interest-bearing deposits | 78,326,000 | 75,296,000 | 70,720,000 | 77,814,000 |
| Noninterest-bearing deposits | 15,613,000 | 18,295,000 | 21,530,000 | 19,880,000 |
| Equity capital | 11,868,000 | 12,320,000 | 12,637,000 | 12,583,000 |
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 | 1,408,000 | 2,899,000 | 4,505,000 | 6,199,000 |
| Interest expense | 359,000 | 756,000 | 1,168,000 | 1,628,000 |
| Net interest income | 1,049,000 | 2,143,000 | 3,337,000 | 4,571,000 |
| Noninterest income | 70,000 | 157,000 | 242,000 | 327,000 |
| Noninterest expense | 497,000 | 1,013,000 | 1,513,000 | 2,265,000 |
| Provision for loan losses | 0 | 40,000 | 90,000 | 115,000 |
| Pretax income | 622,000 | 1,247,000 | 1,976,000 | 2,518,000 |
| Income tax | 179,000 | 360,000 | 562,000 | 740,000 |
| Net income | 443,000 | 887,000 | 1,414,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,868,000 | 12,312,000 | 12,638,000 | 12,604,000 |
| Total capital | 11,997,000 | 12,453,000 | 12,772,000 | 12,744,000 |
| Risk-weighted assets | 55,831,000 | 57,795,000 | 58,641,000 | 60,038,000 |