Call reports 2005
FIRST NATIONAL BANK OF MERTZON, THE — 2005
What FIRST NATIONAL BANK OF MERTZON, 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 | 132,084,000 | 130,151,000 | 136,979,000 | 139,323,000 |
| Total loans | 31,901,000 | 30,471,000 | 30,168,000 | 30,542,000 |
| Allowance for loan losses | 477,000 | 477,000 | 482,000 | 484,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 86,185,000 | 76,634,000 | 92,886,000 | 93,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,612,000 | 114,519,000 | 120,995,000 | 124,048,000 |
| Interest-bearing deposits | 90,665,000 | 88,753,000 | 93,901,000 | 95,755,000 |
| Noninterest-bearing deposits | 25,947,000 | 25,766,000 | 27,094,000 | 28,293,000 |
| Equity capital | 15,072,000 | 15,285,000 | 15,590,000 | 14,936,000 |
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 | 1,465,000 | 2,776,000 | 4,198,000 | 5,710,000 |
| Interest expense | 267,000 | 582,000 | 953,000 | 1,369,000 |
| Net interest income | 1,198,000 | 2,194,000 | 3,245,000 | 4,341,000 |
| Noninterest income | 59,000 | 125,000 | 190,000 | 249,000 |
| Noninterest expense | 704,000 | 1,386,000 | 2,094,000 | 2,939,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 453,000 | 833,000 | 1,241,000 | 1,551,000 |
| Income tax | 54,000 | 221,000 | 324,000 | 339,000 |
| Net income | 399,000 | 612,000 | 917,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,072,000 | 15,285,000 | 15,590,000 | 14,936,000 |
| Total capital | 15,549,000 | 15,762,000 | 16,072,000 | 15,420,000 |
| Risk-weighted assets | 46,741,000 | 46,011,000 | 47,417,000 | 48,757,000 |
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