Call reports 2005
FIRST NATIONAL BANK OF MANCHESTER — 2005
What FIRST NATIONAL BANK OF MANCHESTER 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 | 155,930,000 | 152,301,000 | 152,381,000 | 158,128,000 |
| Total loans | 100,104,000 | 102,727,000 | 103,193,000 | 103,874,000 |
| Allowance for loan losses | 1,214,000 | 1,248,000 | 1,281,000 | 1,302,000 |
| Securities available for sale | 32,161,000 | 31,685,000 | 29,428,000 | 30,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,915,000 | 129,995,000 | 129,554,000 | 136,095,000 |
| Interest-bearing deposits | 107,917,000 | 103,540,000 | 103,490,000 | 107,605,000 |
| Noninterest-bearing deposits | 22,998,000 | 26,455,000 | 26,064,000 | 28,489,000 |
| Equity capital | 16,705,000 | 17,124,000 | 17,223,000 | 17,179,000 |
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 | 2,055,000 | 4,189,000 | 6,373,000 | 8,600,000 |
| Interest expense | 534,000 | 1,126,000 | 1,778,000 | 2,487,000 |
| Net interest income | 1,521,000 | 3,063,000 | 4,595,000 | 6,113,000 |
| Noninterest income | 239,000 | 464,000 | 720,000 | 1,058,000 |
| Noninterest expense | 892,000 | 1,774,000 | 2,688,000 | 3,635,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 830,000 | 1,680,000 | 2,506,000 | 3,337,000 |
| Income tax | 289,000 | 594,000 | 892,000 | 1,147,000 |
| Net income | 541,000 | 1,086,000 | 1,614,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,803,000 | 17,192,000 | 17,315,000 | 17,296,000 |
| Total capital | 17,592,000 | 18,002,000 | 18,165,000 | 18,131,000 |
| Risk-weighted assets | 103,346,000 | 105,699,000 | 105,346,000 | 109,225,000 |
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