Call reports 2005
FIRST NATIONAL BANK OF ORDWAY, THE — 2005
What FIRST NATIONAL BANK OF ORDWAY, 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 | 42,956,000 | 43,786,000 | 46,151,000 | 43,636,000 |
| Total loans | 31,742,000 | 32,661,000 | 36,088,000 | 34,107,000 |
| Allowance for loan losses | 376,000 | 350,000 | 356,000 | 356,000 |
| Securities available for sale | 3,368,000 | 5,370,000 | 5,338,000 | 1,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,805,000 | 37,578,000 | 38,785,000 | 37,334,000 |
| Interest-bearing deposits | 28,485,000 | 30,795,000 | 31,623,000 | 30,420,000 |
| Noninterest-bearing deposits | 8,321,000 | 6,783,000 | 7,162,000 | 6,914,000 |
| Equity capital | 3,273,000 | 3,339,000 | 3,310,000 | 3,431,000 |
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 | 594,000 | 1,210,000 | 1,901,000 | 2,627,000 |
| Interest expense | 242,000 | 511,000 | 799,000 | 1,092,000 |
| Net interest income | 352,000 | 699,000 | 1,102,000 | 1,535,000 |
| Noninterest income | 52,000 | 110,000 | 172,000 | 226,000 |
| Noninterest expense | 316,000 | 632,000 | 963,000 | 1,249,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 30,000 |
| Pretax income | 79,000 | 161,000 | 290,000 | 433,000 |
| Income tax | 17,000 | 37,000 | 75,000 | 117,000 |
| Net income | 62,000 | 124,000 | 215,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,295,000 | 3,355,000 | 3,347,000 | 3,448,000 |
| Total capital | 3,671,000 | 3,705,000 | 3,703,000 | 3,804,000 |
| Risk-weighted assets | 31,508,000 | 32,496,000 | 35,470,000 | 34,044,000 |