Call reports 2005
FIRST NATIONAL BANK OF FAIRBURY, THE — 2005
What FIRST NATIONAL BANK OF FAIRBURY, 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 | 99,102,000 | 98,653,000 | 96,401,000 | 98,887,000 |
| Total loans | 37,449,000 | 38,748,000 | 40,228,000 | 39,877,000 |
| Allowance for loan losses | 1,529,000 | 1,346,000 | 1,348,000 | 1,384,000 |
| Securities available for sale | 49,559,000 | 48,097,000 | 45,933,000 | 44,496,000 |
| Securities held to maturity | 405,000 | 245,000 | 237,000 | 296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,555,000 | 75,131,000 | 71,408,000 | 74,098,000 |
| Interest-bearing deposits | 64,117,000 | 63,530,000 | 61,047,000 | 62,139,000 |
| Noninterest-bearing deposits | 10,438,000 | 11,601,000 | 10,361,000 | 11,959,000 |
| Equity capital | 21,903,000 | 21,134,000 | 21,177,000 | 21,019,000 |
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 | 1,184,000 | 2,391,000 | 3,616,000 | 4,845,000 |
| Interest expense | 265,000 | 556,000 | 873,000 | 1,220,000 |
| Net interest income | 919,000 | 1,835,000 | 2,743,000 | 3,625,000 |
| Noninterest income | 100,000 | 234,000 | 348,000 | 438,000 |
| Noninterest expense | 667,000 | 1,381,000 | 2,088,000 | 2,842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 352,000 | 688,000 | 1,003,000 | 1,221,000 |
| Income tax | 0 | 0 | 0 | -148,000 |
| Net income | 352,000 | 688,000 | 1,003,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,657,000 | 21,234,000 | 21,549,000 | 21,915,000 |
| Total capital | 23,344,000 | 21,927,000 | 22,257,000 | 22,632,000 |
| Risk-weighted assets | 54,078,000 | 54,824,000 | 56,001,000 | 56,661,000 |