Call reports 2005
FIRST NATIONAL BANK OF MILLSTADT — 2005
What FIRST NATIONAL BANK OF MILLSTADT 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 | 85,928,000 | 85,781,000 | 84,902,000 | 84,461,000 |
| Total loans | 36,631,000 | 38,483,000 | 38,678,000 | 37,165,000 |
| Allowance for loan losses | 438,000 | 439,000 | 442,000 | 444,000 |
| Securities available for sale | 46,571,000 | 43,861,000 | 42,615,000 | 37,789,000 |
| Securities held to maturity | 260,000 | 260,000 | 260,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,348,000 | 72,455,000 | 73,120,000 | 72,771,000 |
| Interest-bearing deposits | 66,034,000 | 64,601,000 | 65,629,000 | 64,860,000 |
| Noninterest-bearing deposits | 7,314,000 | 7,853,000 | 7,491,000 | 7,911,000 |
| Equity capital | 11,232,000 | 11,604,000 | 11,569,000 | 11,528,000 |
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 | 902,000 | 1,825,000 | 2,761,000 | 3,689,000 |
| Interest expense | 269,000 | 549,000 | 832,000 | 1,124,000 |
| Net interest income | 633,000 | 1,276,000 | 1,929,000 | 2,565,000 |
| Noninterest income | 66,000 | 159,000 | 236,000 | 314,000 |
| Noninterest expense | 536,000 | 1,012,000 | 1,535,000 | 2,006,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 423,000 | 630,000 | 873,000 |
| Income tax | 57,000 | 146,000 | 218,000 | 284,000 |
| Net income | 106,000 | 277,000 | 412,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,724,000 | 11,855,000 | 11,950,000 | 12,087,000 |
| Total capital | 12,162,000 | 12,294,000 | 12,392,000 | 12,531,000 |
| Risk-weighted assets | 39,180,000 | 39,868,000 | 39,077,000 | 40,222,000 |