Call reports 2005
FIRST NATIONAL BANK AND TRUST — 2005
What FIRST NATIONAL BANK AND TRUST 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 | 112,293,000 | 113,890,000 | 118,869,000 | 119,985,000 |
| Total loans | 60,735,000 | 63,577,000 | 69,257,000 | 71,558,000 |
| Allowance for loan losses | 993,000 | 862,000 | 863,000 | 940,000 |
| Securities available for sale | 9,368,000 | 10,276,000 | 10,290,000 | 10,068,000 |
| Securities held to maturity | 34,031,000 | 29,095,000 | 27,361,000 | 23,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,023,000 | 88,345,000 | 89,633,000 | 95,423,000 |
| Interest-bearing deposits | 66,080,000 | 62,248,000 | 63,560,000 | 68,125,000 |
| Noninterest-bearing deposits | 25,943,000 | 26,097,000 | 26,073,000 | 27,298,000 |
| Equity capital | 14,691,000 | 14,812,000 | 14,853,000 | 14,865,000 |
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 | 1,344,000 | 2,786,000 | 4,331,000 | 6,000,000 |
| Interest expense | 214,000 | 483,000 | 808,000 | 1,245,000 |
| Net interest income | 1,130,000 | 2,303,000 | 3,523,000 | 4,755,000 |
| Noninterest income | 325,000 | 743,000 | 1,176,000 | 1,692,000 |
| Noninterest expense | 938,000 | 2,036,000 | 3,183,000 | 4,541,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 495,000 | 965,000 | 1,448,000 | 1,816,000 |
| Income tax | 26,000 | 54,000 | 84,000 | 72,000 |
| Net income | 469,000 | 911,000 | 1,364,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,853,000 | 14,808,000 | 14,967,000 | 15,059,000 |
| Total capital | 15,711,000 | 15,670,000 | 15,830,000 | 15,999,000 |
| Risk-weighted assets | 68,495,000 | 73,205,000 | 78,231,000 | 80,197,000 |