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 | 217,830,000 | 217,538,000 | 217,016,000 | 214,390,000 |
| Total loans | 155,888,000 | 158,252,000 | 160,293,000 | 161,350,000 |
| Allowance for loan losses | 1,549,000 | 1,669,000 | 1,730,000 | 1,940,000 |
| Securities available for sale | 46,290,000 | 32,896,000 | 30,518,000 | 31,999,000 |
| Securities held to maturity | 3,925,000 | 3,923,000 | 3,921,000 | 3,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,575,000 | 176,713,000 | 181,269,000 | 180,637,000 |
| Interest-bearing deposits | 144,560,000 | 156,138,000 | 159,099,000 | 158,925,000 |
| Noninterest-bearing deposits | 23,015,000 | 20,575,000 | 22,170,000 | 21,712,000 |
| Equity capital | 16,773,000 | 17,386,000 | 17,967,000 | 18,302,000 |
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 | 2,795,000 | 5,818,000 | 9,008,000 | 12,292,000 |
| Interest expense | 823,000 | 1,791,000 | 2,843,000 | 3,967,000 |
| Net interest income | 1,972,000 | 4,027,000 | 6,165,000 | 8,325,000 |
| Noninterest income | 271,000 | 556,000 | 884,000 | 1,143,000 |
| Noninterest expense | 1,266,000 | 2,529,000 | 3,705,000 | 4,901,000 |
| Provision for loan losses | 140,000 | 260,000 | 320,000 | 515,000 |
| Pretax income | 793,000 | 1,771,000 | 2,979,000 | 3,978,000 |
| Income tax | 281,000 | 621,000 | 1,064,000 | 1,439,000 |
| Net income | 512,000 | 1,150,000 | 1,915,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,049,000 | 17,556,000 | 18,190,000 | 18,630,000 |
| Total capital | 18,598,000 | 19,225,000 | 19,920,000 | 20,570,000 |
| Risk-weighted assets | 151,585,000 | 153,121,000 | 155,447,000 | 156,061,000 |