Call reports 2005
FIRST NATIONAL BANK OF SPARTA, THE — 2005
What FIRST NATIONAL BANK OF SPARTA, 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 | 65,438,000 | 63,438,000 | 65,236,000 | 61,499,000 |
| Total loans | 28,293,000 | 28,844,000 | 28,710,000 | 28,155,000 |
| Allowance for loan losses | 461,000 | 461,000 | 470,000 | 470,000 |
| Securities available for sale | 30,740,000 | 27,881,000 | 27,665,000 | 26,575,000 |
| Securities held to maturity | 719,000 | 719,000 | 705,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,246,000 | 55,717,000 | 57,527,000 | 53,797,000 |
| Interest-bearing deposits | 52,098,000 | 48,583,000 | 49,850,000 | 47,883,000 |
| Noninterest-bearing deposits | 6,148,000 | 7,134,000 | 7,677,000 | 5,914,000 |
| Equity capital | 6,576,000 | 6,908,000 | 6,900,000 | 6,939,000 |
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 | 755,000 | 1,575,000 | 2,360,000 | 3,165,000 |
| Interest expense | 210,000 | 425,000 | 651,000 | 903,000 |
| Net interest income | 545,000 | 1,150,000 | 1,709,000 | 2,262,000 |
| Noninterest income | 85,000 | 183,000 | 302,000 | 389,000 |
| Noninterest expense | 445,000 | 901,000 | 1,368,000 | 1,843,000 |
| Provision for loan losses | 10,000 | 10,000 | 7,000 | 7,000 |
| Pretax income | 169,000 | 406,000 | 620,000 | 785,000 |
| Income tax | 41,000 | 111,000 | 170,000 | 176,000 |
| Net income | 128,000 | 295,000 | 450,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,805,000 | 6,972,000 | 7,080,000 | 7,207,000 |
| Total capital | 7,246,000 | 7,399,000 | 7,481,000 | 7,596,000 |
| Risk-weighted assets | 35,191,000 | 34,114,000 | 35,618,000 | 34,504,000 |
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