Call reports 2005
FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION — 2005
What FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION 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 | 194,900,000 | 194,475,000 | 196,322,000 | 193,498,000 |
| Total loans | 150,782,000 | 152,255,000 | 151,205,000 | 144,670,000 |
| Allowance for loan losses | 1,761,000 | 1,979,000 | 1,838,000 | 1,919,000 |
| Securities available for sale | 27,708,000 | 27,342,000 | 27,001,000 | 28,541,000 |
| Securities held to maturity | 319,000 | 115,000 | 110,000 | 106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,745,000 | 172,952,000 | 174,866,000 | 171,614,000 |
| Interest-bearing deposits | 154,720,000 | 155,278,000 | 156,342,000 | 151,246,000 |
| Noninterest-bearing deposits | 19,025,000 | 17,674,000 | 18,524,000 | 20,368,000 |
| Equity capital | 20,578,000 | 20,887,000 | 20,811,000 | 21,276,000 |
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 | 2,618,000 | 5,299,000 | 8,110,000 | 11,013,000 |
| Interest expense | 795,000 | 1,658,000 | 2,632,000 | 3,658,000 |
| Net interest income | 1,823,000 | 3,641,000 | 5,478,000 | 7,355,000 |
| Noninterest income | 316,000 | 647,000 | 985,000 | 1,331,000 |
| Noninterest expense | 1,370,000 | 2,717,000 | 4,015,000 | 5,306,000 |
| Provision for loan losses | 400,000 | 1,000,000 | 1,500,000 | 1,710,000 |
| Pretax income | 369,000 | 571,000 | 948,000 | 1,670,000 |
| Income tax | 135,000 | 209,000 | 347,000 | 614,000 |
| Net income | 234,000 | 362,000 | 601,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,741,000 | 19,936,000 | 19,891,000 | 20,412,000 |
| Total capital | 21,502,000 | 21,851,000 | 21,729,000 | 22,271,000 |
| Risk-weighted assets | 152,438,000 | 153,132,000 | 152,911,000 | 148,664,000 |