Call reports 2005
FIRST NATIONAL BANK OF CHILLICOTHE — 2005
What FIRST NATIONAL BANK OF CHILLICOTHE 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 | 83,999,000 | 90,107,000 | 89,314,000 | 86,903,000 |
| Total loans | 41,806,000 | 46,006,000 | 47,199,000 | 46,695,000 |
| Allowance for loan losses | 368,000 | 393,000 | 435,000 | 342,000 |
| Securities available for sale | 37,773,000 | 40,906,000 | 38,934,000 | 36,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,046,000 | 64,719,000 | 63,616,000 | 64,618,000 |
| Interest-bearing deposits | 60,051,000 | 59,377,000 | 58,305,000 | 58,840,000 |
| Noninterest-bearing deposits | 4,995,000 | 5,342,000 | 5,311,000 | 5,778,000 |
| Equity capital | 6,365,000 | 6,687,000 | 6,477,000 | 6,244,000 |
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 | 984,000 | 2,015,000 | 3,135,000 | 4,216,000 |
| Interest expense | 404,000 | 863,000 | 1,420,000 | 1,980,000 |
| Net interest income | 580,000 | 1,152,000 | 1,715,000 | 2,236,000 |
| Noninterest income | 50,000 | 105,000 | 150,000 | 194,000 |
| Noninterest expense | 392,000 | 769,000 | 1,142,000 | 1,512,000 |
| Provision for loan losses | 26,000 | 64,000 | 115,000 | 116,000 |
| Pretax income | 207,000 | 424,000 | 608,000 | 802,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 1,000 |
| Net income | 204,000 | 417,000 | 597,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,050,000 | 6,959,000 | 6,959,000 | 6,928,000 |
| Total capital | 7,418,000 | 7,352,000 | 7,394,000 | 7,270,000 |
| Risk-weighted assets | 44,316,000 | 48,443,000 | 49,086,000 | 48,124,000 |