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 | 285,510,000 | 279,659,000 | 264,338,000 | 276,216,000 |
| Total loans | 160,236,000 | 163,900,000 | 159,580,000 | 167,632,000 |
| Allowance for loan losses | 1,957,000 | 1,917,000 | 1,802,000 | 1,829,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 60,327,000 | 56,553,000 | 56,258,000 | 60,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,327,000 | 260,261,000 | 244,323,000 | 254,886,000 |
| Interest-bearing deposits | 231,402,000 | 223,944,000 | 209,759,000 | 218,664,000 |
| Noninterest-bearing deposits | 34,925,000 | 36,317,000 | 34,564,000 | 36,222,000 |
| Equity capital | 18,428,000 | 18,502,000 | 18,530,000 | 18,583,000 |
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 | 3,181,000 | 6,427,000 | 9,625,000 | 12,906,000 |
| Interest expense | 1,538,000 | 3,089,000 | 4,648,000 | 6,188,000 |
| Net interest income | 1,643,000 | 3,338,000 | 4,977,000 | 6,718,000 |
| Noninterest income | 180,000 | 353,000 | 533,000 | 787,000 |
| Noninterest expense | 1,302,000 | 2,642,000 | 4,000,000 | 5,479,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 120,000 |
| Pretax income | 503,000 | 1,013,000 | 1,456,000 | 1,906,000 |
| Income tax | 120,000 | 240,000 | 340,000 | 421,000 |
| Net income | 383,000 | 773,000 | 1,116,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,428,000 | 18,502,000 | 18,530,000 | 18,583,000 |
| Total capital | 20,385,000 | 20,419,000 | 20,332,000 | 20,412,000 |
| Risk-weighted assets | 169,535,000 | 171,373,000 | 165,056,000 | 172,042,000 |
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