Call reports 2005
FIRST NATIONAL BANK IN ORD — 2005
What FIRST NATIONAL BANK IN ORD 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 | 77,298,000 | 77,432,000 | 74,639,000 | 82,594,000 |
| Total loans | 44,283,000 | 44,737,000 | 45,977,000 | 46,188,000 |
| Allowance for loan losses | 885,000 | 865,000 | 879,000 | 902,000 |
| Securities available for sale | 21,381,000 | 21,791,000 | 21,461,000 | 25,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,915,000 | 63,049,000 | 57,873,000 | 61,269,000 |
| Interest-bearing deposits | 52,623,000 | 54,385,000 | 49,671,000 | 51,151,000 |
| Noninterest-bearing deposits | 10,292,000 | 8,664,000 | 8,202,000 | 10,118,000 |
| Equity capital | 8,706,000 | 8,850,000 | 8,770,000 | 8,714,000 |
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 | 923,000 | 1,916,000 | 2,970,000 | 4,094,000 |
| Interest expense | 275,000 | 571,000 | 891,000 | 1,251,000 |
| Net interest income | 648,000 | 1,345,000 | 2,079,000 | 2,843,000 |
| Noninterest income | 57,000 | 121,000 | 202,000 | 284,000 |
| Noninterest expense | 430,000 | 916,000 | 1,411,000 | 1,974,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 260,000 | 520,000 | 825,000 | 1,027,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 28,000 |
| Net income | 253,000 | 506,000 | 804,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,889,000 | 8,909,000 | 8,975,000 | 8,937,000 |
| Total capital | 9,515,000 | 9,535,000 | 9,608,000 | 9,587,000 |
| Risk-weighted assets | 49,804,000 | 49,820,000 | 50,360,000 | 51,728,000 |
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