Call reports 2005
BANK OF NAVASOTA, NATIONAL ASSOCIATION, THE — 2005
What BANK OF NAVASOTA, NATIONAL ASSOCIATION, 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 | 69,225,000 | 71,924,000 | 74,517,000 | 76,317,000 |
| Total loans | 34,778,000 | 35,136,000 | 36,336,000 | 36,329,000 |
| Allowance for loan losses | 708,000 | 714,000 | 728,000 | 730,000 |
| Securities available for sale | 14,070,000 | 15,060,000 | 14,944,000 | 16,790,000 |
| Securities held to maturity | 4,373,000 | 3,894,000 | 3,204,000 | 2,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,000,000 | 63,401,000 | 65,829,000 | 67,491,000 |
| Interest-bearing deposits | 45,544,000 | 46,805,000 | 49,690,000 | 50,829,000 |
| Noninterest-bearing deposits | 15,456,000 | 16,596,000 | 16,139,000 | 16,662,000 |
| Equity capital | 7,837,000 | 8,074,000 | 8,204,000 | 8,037,000 |
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 | 898,000 | 1,825,000 | 2,815,000 | 3,908,000 |
| Interest expense | 168,000 | 357,000 | 576,000 | 820,000 |
| Net interest income | 730,000 | 1,468,000 | 2,239,000 | 3,088,000 |
| Noninterest income | 156,000 | 317,000 | 493,000 | 668,000 |
| Noninterest expense | 594,000 | 1,190,000 | 1,771,000 | 2,357,000 |
| Provision for loan losses | 75,000 | 75,000 | 175,000 | 240,000 |
| Pretax income | 217,000 | 520,000 | 786,000 | 1,159,000 |
| Income tax | 56,000 | 139,000 | 210,000 | 320,000 |
| Net income | 161,000 | 381,000 | 576,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,858,000 | 8,069,000 | 8,272,000 | 8,203,000 |
| Total capital | 8,355,000 | 8,572,000 | 8,792,000 | 8,728,000 |
| Risk-weighted assets | 39,536,000 | 40,070,000 | 41,412,000 | 41,793,000 |