Call reports 2005
FIRST NATIONAL BANK & TRUST CO. IN LARNED — 2005
What FIRST NATIONAL BANK & TRUST CO. IN LARNED 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 | 59,035,000 | 55,024,000 | 53,514,000 | 55,038,000 |
| Total loans | 26,570,000 | 25,427,000 | 26,215,000 | 29,324,000 |
| Allowance for loan losses | 968,000 | 922,000 | 923,000 | 936,000 |
| Securities available for sale | 23,376,000 | 21,453,000 | 21,455,000 | 20,167,000 |
| Securities held to maturity | 3,819,000 | 3,255,000 | 2,683,000 | 2,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,019,000 | 46,870,000 | 43,626,000 | 44,650,000 |
| Interest-bearing deposits | 39,917,000 | 39,160,000 | 36,438,000 | 36,243,000 |
| Noninterest-bearing deposits | 11,102,000 | 7,710,000 | 7,188,000 | 8,407,000 |
| Equity capital | 4,880,000 | 5,024,000 | 5,017,000 | 4,865,000 |
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 | 717,000 | 1,407,000 | 2,082,000 | 2,823,000 |
| Interest expense | 225,000 | 421,000 | 623,000 | 834,000 |
| Net interest income | 492,000 | 986,000 | 1,459,000 | 1,989,000 |
| Noninterest income | 67,000 | 103,000 | 176,000 | 245,000 |
| Noninterest expense | 515,000 | 1,014,000 | 1,485,000 | 1,948,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 29,000 | 60,000 | 136,000 | 258,000 |
| Income tax | 4,000 | 6,000 | 24,000 | 92,000 |
| Net income | 25,000 | 54,000 | 112,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,884,000 | 4,919,000 | 4,984,000 | 4,929,000 |
| Total capital | 5,326,000 | 5,336,000 | 5,406,000 | 5,380,000 |
| Risk-weighted assets | 34,821,000 | 32,866,000 | 33,289,000 | 35,587,000 |