Call reports 2005
FIRST NATIONAL BANK NORTH — 2005
What FIRST NATIONAL BANK NORTH 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 | 231,237,000 | 234,577,000 | 238,835,000 | 236,855,000 |
| Total loans | 177,272,000 | 182,105,000 | 177,702,000 | 176,686,000 |
| Allowance for loan losses | 2,405,000 | 2,572,000 | 2,266,000 | 2,094,000 |
| Securities available for sale | 22,949,000 | 19,238,000 | 17,971,000 | 20,255,000 |
| Securities held to maturity | 23,619,000 | 22,950,000 | 22,616,000 | 21,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,654,000 | 206,611,000 | 211,165,000 | 209,255,000 |
| Interest-bearing deposits | 180,813,000 | 183,476,000 | 185,451,000 | 186,150,000 |
| Noninterest-bearing deposits | 19,841,000 | 23,135,000 | 25,714,000 | 23,105,000 |
| Equity capital | 21,425,000 | 21,752,000 | 22,341,000 | 22,190,000 |
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 | 3,603,000 | 7,386,000 | 11,253,000 | 15,303,000 |
| Interest expense | 1,146,000 | 2,361,000 | 3,631,000 | 5,002,000 |
| Net interest income | 2,457,000 | 5,025,000 | 7,622,000 | 10,301,000 |
| Noninterest income | 450,000 | 945,000 | 1,399,000 | 1,896,000 |
| Noninterest expense | 1,493,000 | 3,084,000 | 4,669,000 | 6,035,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 1,249,000 | 2,550,000 | 3,853,000 | 5,498,000 |
| Income tax | -2,000 | -2,000 | -2,000 | 3,000 |
| Net income | 1,251,000 | 2,552,000 | 3,855,000 | 5,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,503,000 | 21,631,000 | 22,336,000 | 22,384,000 |
| Total capital | 23,587,000 | 23,776,000 | 24,439,000 | 24,475,000 |
| Risk-weighted assets | 166,426,000 | 171,174,000 | 168,051,000 | 167,234,000 |
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