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 | 42,602,000 | 48,502,000 | 58,712,000 | 49,296,000 |
| Total loans | 29,426,000 | 43,361,000 | 51,102,000 | 36,611,000 |
| Allowance for loan losses | 530,000 | 520,000 | 536,000 | 540,000 |
| Securities available for sale | 2,482,000 | 2,488,000 | 2,482,000 | 2,963,000 |
| Securities held to maturity | 25,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,012,000 | 40,629,000 | 50,369,000 | 41,437,000 |
| Interest-bearing deposits | 30,124,000 | 36,009,000 | 45,873,000 | 36,953,000 |
| Noninterest-bearing deposits | 4,888,000 | 4,620,000 | 4,496,000 | 4,484,000 |
| Equity capital | 7,318,000 | 7,565,000 | 7,912,000 | 7,609,000 |
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 | 1,082,000 | 2,052,000 | 3,381,000 | 4,589,000 |
| Interest expense | 176,000 | 382,000 | 737,000 | 1,113,000 |
| Net interest income | 906,000 | 1,670,000 | 2,644,000 | 3,476,000 |
| Noninterest income | 79,000 | 150,000 | 194,000 | 211,000 |
| Noninterest expense | 562,000 | 995,000 | 1,448,000 | 2,277,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 382,000 |
| Pretax income | 387,000 | 753,000 | 1,282,000 | 1,028,000 |
| Income tax | 132,000 | 256,000 | 434,000 | 383,000 |
| Net income | 255,000 | 497,000 | 848,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,329,000 | 7,572,000 | 7,922,000 | 7,627,000 |
| Total capital | 7,679,000 | 8,072,000 | 8,458,000 | 8,078,000 |
| Risk-weighted assets | 27,812,000 | 39,984,000 | 48,469,000 | 36,048,000 |