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 | 1,223,148,000 | 1,237,255,000 | 1,192,429,000 | 1,140,794,000 |
| Total loans | 902,940,000 | 905,885,000 | 870,908,000 | 837,146,000 |
| Allowance for loan losses | 13,231,000 | 13,458,000 | 12,201,000 | 11,670,000 |
| Securities available for sale | 84,098,000 | 77,883,000 | 69,154,000 | 64,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 831,637,000 | 853,189,000 | 814,216,000 | 769,881,000 |
| Interest-bearing deposits | 763,841,000 | 784,540,000 | 750,178,000 | 703,122,000 |
| Noninterest-bearing deposits | 67,796,000 | 68,649,000 | 64,038,000 | 66,759,000 |
| Equity capital | 259,487,000 | 263,147,000 | 265,857,000 | 273,104,000 |
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 | 17,760,000 | 36,983,000 | 56,826,000 | 76,941,000 |
| Interest expense | 1,770,000 | 3,983,000 | 6,065,000 | 8,126,000 |
| Net interest income | 15,990,000 | 33,000,000 | 50,761,000 | 68,815,000 |
| Noninterest income | 1,853,000 | 3,586,000 | 5,414,000 | 7,297,000 |
| Noninterest expense | 7,779,000 | 16,097,000 | 24,619,000 | 32,471,000 |
| Provision for loan losses | 340,000 | 290,000 | -83,000 | -117,000 |
| Pretax income | 9,724,000 | 20,199,000 | 31,639,000 | 43,713,000 |
| Income tax | 3,984,000 | 8,288,000 | 13,004,000 | 17,992,000 |
| Net income | 5,740,000 | 11,911,000 | 18,635,000 | 25,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,537,000 | 111,114,000 | 114,422,000 | 122,176,000 |
| Total capital | 120,683,000 | 124,270,000 | 127,081,000 | 134,530,000 |
| Risk-weighted assets | 1,049,391,000 | 1,049,824,000 | 1,010,414,000 | 986,204,000 |
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