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 | 499,738,000 | 491,234,000 | 493,740,000 | 498,645,000 |
| Total loans | 355,374,000 | 362,814,000 | 371,422,000 | 383,229,000 |
| Allowance for loan losses | 20,814,000 | 22,110,000 | 23,814,000 | 24,569,000 |
| Securities available for sale | 41,242,000 | 39,192,000 | 42,743,000 | 46,432,000 |
| Securities held to maturity | 39,002,000 | 34,947,000 | 27,848,000 | 28,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,487,000 | 397,865,000 | 394,021,000 | 397,384,000 |
| Interest-bearing deposits | 343,020,000 | 328,932,000 | 326,070,000 | 325,090,000 |
| Noninterest-bearing deposits | 66,467,000 | 68,933,000 | 67,951,000 | 72,294,000 |
| Equity capital | 70,976,000 | 73,791,000 | 75,853,000 | 77,242,000 |
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 | 12,329,000 | 25,858,000 | 40,807,000 | 55,489,000 |
| Interest expense | 1,353,000 | 2,765,000 | 4,262,000 | 5,916,000 |
| Net interest income | 10,976,000 | 23,093,000 | 36,545,000 | 49,573,000 |
| Noninterest income | 7,883,000 | 16,473,000 | 25,295,000 | 34,503,000 |
| Noninterest expense | 8,610,000 | 17,021,000 | 26,198,000 | 36,237,000 |
| Provision for loan losses | 5,404,000 | 11,982,000 | 20,485,000 | 29,016,000 |
| Pretax income | 4,845,000 | 10,563,000 | 15,157,000 | 18,823,000 |
| Income tax | 1,799,000 | 4,048,000 | 5,765,000 | 7,122,000 |
| Net income | 3,046,000 | 6,515,000 | 9,392,000 | 11,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,445,000 | 64,360,000 | 66,683,000 | 68,438,000 |
| Total capital | 66,345,000 | 69,352,000 | 71,808,000 | 73,774,000 |
| Risk-weighted assets | 376,080,000 | 382,276,000 | 391,322,000 | 407,629,000 |