Call reports 2005
FIRST NATIONAL BANK — 2005
What FIRST NATIONAL BANK 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 | 222,814,000 | 224,436,000 | 225,770,000 | 240,905,000 |
| Total loans | 132,750,000 | 135,312,000 | 136,180,000 | 142,821,000 |
| Allowance for loan losses | 1,213,000 | 1,245,000 | 1,299,000 | 1,435,000 |
| Securities available for sale | 71,658,000 | 72,942,000 | 69,230,000 | 77,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,353,000 | 192,769,000 | 193,771,000 | 209,517,000 |
| Interest-bearing deposits | 158,151,000 | 157,917,000 | 157,623,000 | 168,762,000 |
| Noninterest-bearing deposits | 34,202,000 | 34,852,000 | 36,148,000 | 40,755,000 |
| Equity capital | 21,562,000 | 22,865,000 | 23,272,000 | 23,017,000 |
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 | 3,250,000 | 6,575,000 | 9,982,000 | 13,534,000 |
| Interest expense | 970,000 | 2,056,000 | 3,231,000 | 4,472,000 |
| Net interest income | 2,280,000 | 4,519,000 | 6,751,000 | 9,062,000 |
| Noninterest income | 402,000 | 908,000 | 1,391,000 | 1,859,000 |
| Noninterest expense | 1,427,000 | 2,837,000 | 4,355,000 | 5,918,000 |
| Provision for loan losses | 110,000 | 245,000 | 348,000 | 526,000 |
| Pretax income | 1,145,000 | 2,345,000 | 3,445,000 | 4,391,000 |
| Income tax | 417,000 | 840,000 | 1,223,000 | 1,420,000 |
| Net income | 728,000 | 1,505,000 | 2,222,000 | 2,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,410,000 | 21,249,000 | 22,064,000 | 22,078,000 |
| Total capital | 21,623,000 | 22,494,000 | 23,363,000 | 23,513,000 |
| Risk-weighted assets | 137,279,000 | 140,137,000 | 141,263,000 | 152,309,000 |
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