Call reports 2005
FIRST NATIONAL BANK — 2005
What FIRST NATIONAL BANK 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 | 86,490,000 | 85,606,000 | 85,493,000 | 91,074,000 |
| Total loans | 62,243,000 | 60,869,000 | 61,760,000 | 62,967,000 |
| Allowance for loan losses | 1,098,000 | 1,093,000 | 1,101,000 | 1,083,000 |
| Securities available for sale | 19,603,000 | 18,446,000 | 18,470,000 | 21,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,438,000 | 74,488,000 | 74,130,000 | 78,022,000 |
| Interest-bearing deposits | 67,389,000 | 66,618,000 | 66,439,000 | 68,528,000 |
| Noninterest-bearing deposits | 8,049,000 | 7,870,000 | 7,691,000 | 9,494,000 |
| Equity capital | 7,338,000 | 7,426,000 | 7,365,000 | 7,310,000 |
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 | 1,262,000 | 2,507,000 | 3,811,000 | 5,200,000 |
| Interest expense | 320,000 | 686,000 | 1,085,000 | 1,536,000 |
| Net interest income | 942,000 | 1,821,000 | 2,726,000 | 3,664,000 |
| Noninterest income | 107,000 | 230,000 | 336,000 | 447,000 |
| Noninterest expense | 685,000 | 1,358,000 | 2,049,000 | 2,734,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 349,000 | 663,000 | 968,000 | 1,317,000 |
| Income tax | 9,000 | 18,000 | 26,000 | 35,000 |
| Net income | 340,000 | 645,000 | 942,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,372,000 | 7,377,000 | 7,373,000 | 7,363,000 |
| Total capital | 8,151,000 | 8,136,000 | 8,150,000 | 8,169,000 |
| Risk-weighted assets | 62,001,000 | 60,386,000 | 61,860,000 | 64,166,000 |