Call reports 2005
FIRST NATIONAL BANK OF VOLGA, THE — 2005
What FIRST NATIONAL BANK OF VOLGA, 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 | 29,487,000 | 30,821,000 | 30,253,000 | 30,074,000 |
| Total loans | 18,731,000 | 19,544,000 | 21,516,000 | 21,889,000 |
| Allowance for loan losses | 358,000 | 360,000 | 360,000 | 352,000 |
| Securities available for sale | 8,264,000 | 8,092,000 | 7,774,000 | 6,901,000 |
| Securities held to maturity | 133,000 | 124,000 | 114,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,615,000 | 27,795,000 | 27,325,000 | 27,027,000 |
| Interest-bearing deposits | 23,691,000 | 24,861,000 | 23,448,000 | 23,052,000 |
| Noninterest-bearing deposits | 2,924,000 | 2,934,000 | 3,877,000 | 3,975,000 |
| Equity capital | 2,763,000 | 2,919,000 | 2,812,000 | 2,901,000 |
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 | 386,000 | 804,000 | 1,258,000 | 1,720,000 |
| Interest expense | 107,000 | 225,000 | 350,000 | 480,000 |
| Net interest income | 279,000 | 579,000 | 908,000 | 1,240,000 |
| Noninterest income | 31,000 | 74,000 | 121,000 | 165,000 |
| Noninterest expense | 150,000 | 313,000 | 481,000 | 691,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 160,000 | 340,000 | 548,000 | 714,000 |
| Income tax | 52,000 | 112,000 | 181,000 | 232,000 |
| Net income | 108,000 | 228,000 | 367,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,846,000 | 2,944,000 | 2,882,000 | 2,997,000 |
| Total capital | 3,075,000 | 3,185,000 | 3,140,000 | 3,259,000 |
| Risk-weighted assets | 18,212,000 | 19,131,000 | 20,568,000 | 20,876,000 |
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