Call reports 2005
FIRST NATIONAL BANK OF AMERICA — 2005
What FIRST NATIONAL BANK OF AMERICA 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 | 319,424,000 | 310,222,000 | 309,966,000 | 309,055,000 |
| Total loans | 276,378,000 | 268,798,000 | 269,753,000 | 268,372,000 |
| Allowance for loan losses | 7,028,000 | 7,094,000 | 6,495,000 | 6,072,000 |
| Securities available for sale | 17,981,000 | 17,980,000 | 17,954,000 | 17,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,025,000 | 155,587,000 | 160,728,000 | 158,590,000 |
| Interest-bearing deposits | 155,550,000 | 143,802,000 | 148,121,000 | 147,477,000 |
| Noninterest-bearing deposits | 17,475,000 | 11,785,000 | 12,607,000 | 11,113,000 |
| Equity capital | 46,435,000 | 48,722,000 | 51,037,000 | 52,898,000 |
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 | 9,817,000 | 19,179,000 | 28,378,000 | 37,308,000 |
| Interest expense | 3,179,000 | 6,198,000 | 9,155,000 | 12,123,000 |
| Net interest income | 6,638,000 | 12,981,000 | 19,223,000 | 25,185,000 |
| Noninterest income | 920,000 | 1,986,000 | 3,026,000 | 3,955,000 |
| Noninterest expense | 3,806,000 | 7,609,000 | 11,576,000 | 15,498,000 |
| Provision for loan losses | 450,000 | 650,000 | 650,000 | 686,000 |
| Pretax income | 3,311,000 | 6,717,000 | 10,032,000 | 12,965,000 |
| Income tax | 1,134,000 | 2,301,000 | 3,256,000 | 4,286,000 |
| Net income | 2,177,000 | 4,416,000 | 6,776,000 | 8,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,586,000 | 48,833,000 | 51,185,000 | 53,082,000 |
| Total capital | 49,542,000 | 51,710,000 | 54,040,000 | 55,899,000 |
| Risk-weighted assets | 232,378,000 | 225,840,000 | 224,737,000 | 222,135,000 |
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