Call reports 2005
FNB COWETA — 2005
What FNB COWETA 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 | 60,821,000 | 61,095,000 | 60,866,000 | 62,187,000 |
| Total loans | 27,770,000 | 28,311,000 | 29,566,000 | 31,123,000 |
| Allowance for loan losses | 244,000 | 223,000 | 238,000 | 240,000 |
| Securities available for sale | 8,369,000 | 8,489,000 | 8,270,000 | 7,977,000 |
| Securities held to maturity | 17,396,000 | 18,371,000 | 18,717,000 | 18,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,682,000 | 56,735,000 | 56,324,000 | 55,802,000 |
| Interest-bearing deposits | 46,584,000 | 44,838,000 | 45,606,000 | 45,042,000 |
| Noninterest-bearing deposits | 10,098,000 | 11,897,000 | 10,718,000 | 10,760,000 |
| Equity capital | 3,980,000 | 4,085,000 | 4,181,000 | 4,088,000 |
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 | 752,000 | 1,566,000 | 2,430,000 | 3,227,000 |
| Interest expense | 180,000 | 368,000 | 575,000 | 791,000 |
| Net interest income | 572,000 | 1,198,000 | 1,855,000 | 2,436,000 |
| Noninterest income | 169,000 | 345,000 | 507,000 | 705,000 |
| Noninterest expense | 638,000 | 1,278,000 | 1,926,000 | 2,590,000 |
| Provision for loan losses | 18,000 | 36,000 | 58,000 | 121,000 |
| Pretax income | 85,000 | 229,000 | 378,000 | 430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 229,000 | 378,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,042,000 | 4,161,000 | 4,285,000 | 4,211,000 |
| Total capital | 4,286,000 | 4,384,000 | 4,523,000 | 4,451,000 |
| Risk-weighted assets | 31,805,000 | 31,494,000 | 33,057,000 | 34,194,000 |