Call reports 2005
FIRST NATIONAL BANK OF STARBUCK, THE — 2005
What FIRST NATIONAL BANK OF STARBUCK, 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 | 23,284,000 | 22,061,000 | 21,193,000 | 21,418,000 |
| Total loans | 12,402,000 | 12,603,000 | 12,562,000 | 11,760,000 |
| Allowance for loan losses | 323,000 | 326,000 | 324,000 | 299,000 |
| Securities available for sale | 8,923,000 | 7,987,000 | 7,080,000 | 6,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,783,000 | 19,152,000 | 18,665,000 | 19,131,000 |
| Interest-bearing deposits | 17,202,000 | 15,925,000 | 14,968,000 | 15,031,000 |
| Noninterest-bearing deposits | 3,581,000 | 3,227,000 | 3,697,000 | 4,100,000 |
| Equity capital | 2,386,000 | 2,384,000 | 2,399,000 | 2,174,000 |
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 | 287,000 | 572,000 | 846,000 | 1,105,000 |
| Interest expense | 38,000 | 78,000 | 118,000 | 158,000 |
| Net interest income | 249,000 | 494,000 | 728,000 | 947,000 |
| Noninterest income | 65,000 | 130,000 | 205,000 | 270,000 |
| Noninterest expense | 245,000 | 501,000 | 734,000 | 998,000 |
| Provision for loan losses | 4,000 | 7,000 | 8,000 | 22,000 |
| Pretax income | 61,000 | 112,000 | 187,000 | 193,000 |
| Income tax | 16,000 | 29,000 | 53,000 | 24,000 |
| Net income | 45,000 | 83,000 | 134,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,406,000 | 2,394,000 | 2,425,000 | 2,229,000 |
| Total capital | 2,558,000 | 2,543,000 | 2,572,000 | 2,376,000 |
| Risk-weighted assets | 11,993,000 | 11,708,000 | 11,621,000 | 11,639,000 |