Call reports 2005
FIRST NATIONAL EXCHANGE BANK — 2005
What FIRST NATIONAL EXCHANGE 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 | 225,619,000 | 229,472,000 | 217,702,000 | 209,881,000 |
| Total loans | 137,527,000 | 139,705,000 | 136,123,000 | 125,257,000 |
| Allowance for loan losses | 1,833,000 | 1,944,000 | 1,860,000 | 1,874,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 56,633,000 | 53,054,000 | 52,758,000 | 56,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,885,000 | 208,419,000 | 197,576,000 | 189,557,000 |
| Interest-bearing deposits | 180,024,000 | 184,230,000 | 173,196,000 | 165,862,000 |
| Noninterest-bearing deposits | 24,861,000 | 24,189,000 | 24,380,000 | 23,695,000 |
| Equity capital | 19,010,000 | 19,210,000 | 19,408,000 | 19,568,000 |
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 | 2,625,000 | 5,285,000 | 8,012,000 | 10,650,000 |
| Interest expense | 1,164,000 | 2,406,000 | 3,703,000 | 4,984,000 |
| Net interest income | 1,461,000 | 2,879,000 | 4,309,000 | 5,666,000 |
| Noninterest income | 177,000 | 328,000 | 466,000 | 703,000 |
| Noninterest expense | 1,290,000 | 2,589,000 | 3,894,000 | 5,285,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 318,000 | 558,000 | 791,000 | 964,000 |
| Income tax | 60,000 | 100,000 | 135,000 | 148,000 |
| Net income | 258,000 | 458,000 | 656,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,010,000 | 19,210,000 | 19,408,000 | 19,568,000 |
| Total capital | 20,843,000 | 21,082,000 | 21,219,000 | 21,267,000 |
| Risk-weighted assets | 148,010,000 | 149,708,000 | 144,868,000 | 135,716,000 |