Call reports 2005
FIRST NATIONAL BANK OF PROCTOR, THE — 2005
What FIRST NATIONAL BANK OF PROCTOR, 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 | 19,576,000 | 20,420,000 | 21,071,000 | 20,971,000 |
| Total loans | 10,555,000 | 10,940,000 | 11,454,000 | 11,661,000 |
| Allowance for loan losses | 79,000 | 81,000 | 80,000 | 81,000 |
| Securities available for sale | 6,661,000 | 6,618,000 | 6,388,000 | 6,418,000 |
| Securities held to maturity | 63,000 | 63,000 | 51,000 | 51,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,658,000 | 18,401,000 | 19,040,000 | 18,955,000 |
| Interest-bearing deposits | 14,676,000 | 15,636,000 | 15,593,000 | 15,602,000 |
| Noninterest-bearing deposits | 2,982,000 | 2,765,000 | 3,447,000 | 3,353,000 |
| Equity capital | 1,883,000 | 1,960,000 | 1,964,000 | 1,964,000 |
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 | 261,000 | 551,000 | 852,000 | 1,143,000 |
| Interest expense | 56,000 | 118,000 | 186,000 | 263,000 |
| Net interest income | 205,000 | 433,000 | 666,000 | 880,000 |
| Noninterest income | 19,000 | 35,000 | 53,000 | 72,000 |
| Noninterest expense | 174,000 | 372,000 | 548,000 | 775,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 44,000 | 90,000 | 165,000 | 171,000 |
| Income tax | 16,000 | 33,000 | 57,000 | 52,000 |
| Net income | 28,000 | 57,000 | 108,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,920,000 | 1,949,000 | 2,000,000 | 2,011,000 |
| Total capital | 1,999,000 | 2,030,000 | 2,080,000 | 2,092,000 |
| Risk-weighted assets | 10,690,000 | 10,871,000 | 11,039,000 | 10,823,000 |
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