Call reports 2005
FIRST NATIONAL BANK IN TREMONT, THE — 2005
What FIRST NATIONAL BANK IN TREMONT, 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 | 108,430,000 | 105,922,000 | 104,521,000 | 105,699,000 |
| Total loans | 66,541,000 | 68,350,000 | 68,395,000 | 68,624,000 |
| Allowance for loan losses | 466,000 | 1,171,000 | 898,000 | 482,000 |
| Securities available for sale | 30,418,000 | 29,547,000 | 27,418,000 | 27,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,544,000 | 91,702,000 | 89,736,000 | 92,193,000 |
| Interest-bearing deposits | 86,220,000 | 82,867,000 | 80,425,000 | 81,257,000 |
| Noninterest-bearing deposits | 9,324,000 | 8,835,000 | 9,311,000 | 10,935,000 |
| Equity capital | 9,878,000 | 9,675,000 | 9,685,000 | 9,599,000 |
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 | 1,378,000 | 2,808,000 | 4,256,000 | 5,724,000 |
| Interest expense | 437,000 | 932,000 | 1,464,000 | 2,042,000 |
| Net interest income | 941,000 | 1,876,000 | 2,792,000 | 3,682,000 |
| Noninterest income | 194,000 | 354,000 | 524,000 | 690,000 |
| Noninterest expense | 732,000 | 1,459,000 | 2,182,000 | 2,901,000 |
| Provision for loan losses | 49,000 | 899,000 | 1,118,000 | 1,197,000 |
| Pretax income | 354,000 | -128,000 | 46,000 | 304,000 |
| Income tax | 125,000 | -144,000 | -97,000 | -39,000 |
| Net income | 229,000 | 16,000 | 143,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,057,000 | 8,735,000 | 8,874,000 | 8,881,000 |
| Total capital | 9,523,000 | 9,623,000 | 9,761,000 | 9,363,000 |
| Risk-weighted assets | 69,837,000 | 70,728,000 | 70,434,000 | 70,677,000 |
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