Call reports 2005
FIRST NATIONAL BANK OF DEER RIVER, THE — 2005
What FIRST NATIONAL BANK OF DEER RIVER, 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 | 14,663,000 | 15,312,000 | 14,670,000 | 14,056,000 |
| Total loans | 9,199,000 | 9,824,000 | 9,800,000 | 9,241,000 |
| Allowance for loan losses | 256,000 | 259,000 | 260,000 | 261,000 |
| Securities available for sale | 1,491,000 | 1,500,000 | 1,491,000 | 1,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,300,000 | 12,929,000 | 12,279,000 | 11,642,000 |
| Interest-bearing deposits | 8,593,000 | 8,920,000 | 9,069,000 | 8,330,000 |
| Noninterest-bearing deposits | 3,707,000 | 4,009,000 | 3,210,000 | 3,312,000 |
| Equity capital | 2,315,000 | 2,314,000 | 2,324,000 | 2,344,000 |
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 | 198,000 | 401,000 | 620,000 | 824,000 |
| Interest expense | 33,000 | 64,000 | 97,000 | 130,000 |
| Net interest income | 165,000 | 337,000 | 523,000 | 694,000 |
| Noninterest income | 41,000 | 74,000 | 102,000 | 132,000 |
| Noninterest expense | 180,000 | 388,000 | 571,000 | 756,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 23,000 | 54,000 | 70,000 |
| Income tax | 11,000 | 10,000 | 27,000 | 19,000 |
| Net income | 15,000 | 13,000 | 27,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,328,000 | 2,321,000 | 2,335,000 | 2,359,000 |
| Total capital | 2,450,000 | 2,445,000 | 2,445,000 | 2,465,000 |
| Risk-weighted assets | 9,667,000 | 9,769,000 | 8,636,000 | 8,314,000 |