Call reports 2005
FIRST NATIONAL BANK OF CARMI, THE — 2005
What FIRST NATIONAL BANK OF CARMI, 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 | 185,752,000 | 185,789,000 | 192,294,000 | 197,883,000 |
| Total loans | 120,302,000 | 121,124,000 | 129,773,000 | 129,138,000 |
| Allowance for loan losses | 1,907,000 | 1,797,000 | 1,758,000 | 1,746,000 |
| Securities available for sale | 46,954,000 | 44,600,000 | 40,973,000 | 36,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,480,000 | 165,618,000 | 166,913,000 | 172,888,000 |
| Interest-bearing deposits | 142,791,000 | 141,228,000 | 141,804,000 | 145,614,000 |
| Noninterest-bearing deposits | 23,689,000 | 24,390,000 | 25,109,000 | 27,274,000 |
| Equity capital | 18,445,000 | 19,158,000 | 19,275,000 | 18,995,000 |
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 | 2,425,000 | 5,160,000 | 7,847,000 | 10,547,000 |
| Interest expense | 647,000 | 1,330,000 | 2,118,000 | 3,043,000 |
| Net interest income | 1,778,000 | 3,830,000 | 5,729,000 | 7,504,000 |
| Noninterest income | 474,000 | 956,000 | 1,503,000 | 2,143,000 |
| Noninterest expense | 1,578,000 | 3,137,000 | 4,950,000 | 7,070,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 98,000 |
| Pretax income | 665,000 | 1,640,000 | 2,273,000 | 2,479,000 |
| Income tax | 200,000 | 503,000 | 624,000 | 739,000 |
| Net income | 465,000 | 1,137,000 | 1,649,000 | 1,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,478,000 | 16,248,000 | 16,643,000 | 16,396,000 |
| Total capital | 17,056,000 | 17,838,000 | 18,336,000 | 18,107,000 |
| Risk-weighted assets | 125,584,000 | 126,744,000 | 135,335,000 | 136,652,000 |
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