Call reports 2005
FIRST NATIONAL BANK OF DIGHTON, THE — 2005
What FIRST NATIONAL BANK OF DIGHTON, 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 | 46,786,000 | 45,951,000 | 44,918,000 | 44,157,000 |
| Total loans | 17,060,000 | 17,699,000 | 16,368,000 | 18,673,000 |
| Allowance for loan losses | 498,000 | 499,000 | 499,000 | 489,000 |
| Securities available for sale | 15,108,000 | 14,682,000 | 14,597,000 | 15,041,000 |
| Securities held to maturity | 7,860,000 | 7,823,000 | 7,736,000 | 7,773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,068,000 | 35,787,000 | 34,591,000 | 33,758,000 |
| Interest-bearing deposits | 30,367,000 | 28,737,000 | 27,678,000 | 26,296,000 |
| Noninterest-bearing deposits | 6,701,000 | 7,050,000 | 6,913,000 | 7,462,000 |
| Equity capital | 9,641,000 | 9,871,000 | 9,984,000 | 9,997,000 |
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 | 531,000 | 1,102,000 | 1,691,000 | 2,319,000 |
| Interest expense | 94,000 | 202,000 | 325,000 | 462,000 |
| Net interest income | 437,000 | 900,000 | 1,366,000 | 1,857,000 |
| Noninterest income | 38,000 | 85,000 | 96,000 | 129,000 |
| Noninterest expense | 336,000 | 613,000 | 882,000 | 1,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 370,000 | 578,000 | 797,000 |
| Income tax | 16,000 | 72,000 | 124,000 | 169,000 |
| Net income | 123,000 | 298,000 | 454,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,779,000 | 9,954,000 | 10,110,000 | 10,184,000 |
| Total capital | 10,071,000 | 10,251,000 | 10,392,000 | 10,489,000 |
| Risk-weighted assets | 23,156,000 | 23,533,000 | 22,349,000 | 24,232,000 |