Call reports 2005
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2005
What FIRST NATIONAL BANK AND TRUST COMPANY, THE 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 | 553,052,000 | 569,656,000 | 570,657,000 | 593,581,000 |
| Total loans | 374,153,000 | 385,902,000 | 392,119,000 | 399,566,000 |
| Allowance for loan losses | 5,087,000 | 5,202,000 | 4,988,000 | 4,996,000 |
| Securities available for sale | 66,572,000 | 63,242,000 | 62,862,000 | 73,489,000 |
| Securities held to maturity | 67,137,000 | 62,787,000 | 60,404,000 | 57,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,732,000 | 459,170,000 | 473,289,000 | 497,602,000 |
| Interest-bearing deposits | 383,597,000 | 394,156,000 | 410,636,000 | 427,971,000 |
| Noninterest-bearing deposits | 61,135,000 | 65,014,000 | 62,653,000 | 69,631,000 |
| Equity capital | 49,639,000 | 50,526,000 | 50,985,000 | 51,764,000 |
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 | 6,664,000 | 13,554,000 | 20,751,000 | 28,291,000 |
| Interest expense | 2,229,000 | 4,724,000 | 7,552,000 | 10,737,000 |
| Net interest income | 4,435,000 | 8,830,000 | 13,199,000 | 17,554,000 |
| Noninterest income | 1,972,000 | 3,579,000 | 5,349,000 | 6,971,000 |
| Noninterest expense | 4,043,000 | 8,466,000 | 12,851,000 | 16,905,000 |
| Provision for loan losses | 150,000 | 282,000 | 547,000 | 708,000 |
| Pretax income | 2,214,000 | 3,661,000 | 5,150,000 | 6,912,000 |
| Income tax | 682,000 | 1,064,000 | 1,461,000 | 1,919,000 |
| Net income | 1,532,000 | 2,597,000 | 3,689,000 | 4,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,141,000 | 39,812,000 | 40,529,000 | 41,471,000 |
| Total capital | 44,151,000 | 44,983,000 | 45,517,000 | 46,467,000 |
| Risk-weighted assets | 400,822,000 | 413,683,000 | 418,614,000 | 431,197,000 |