Call reports 2005
FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE — 2005
What FIRST NATIONAL BANK OF RUSSELL SPRINGS, 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 | 127,928,000 | 133,273,000 | 134,834,000 | 134,828,000 |
| Total loans | 68,333,000 | 72,902,000 | 74,892,000 | 73,708,000 |
| Allowance for loan losses | 1,086,000 | 1,094,000 | 1,095,000 | 1,089,000 |
| Securities available for sale | 50,871,000 | 50,599,000 | 49,100,000 | 49,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,849,000 | 113,148,000 | 114,769,000 | 112,393,000 |
| Interest-bearing deposits | 89,551,000 | 94,118,000 | 93,202,000 | 91,877,000 |
| Noninterest-bearing deposits | 19,298,000 | 19,030,000 | 21,567,000 | 20,516,000 |
| Equity capital | 16,604,000 | 17,424,000 | 17,459,000 | 17,474,000 |
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 | 1,799,000 | 3,610,000 | 5,522,000 | 7,469,000 |
| Interest expense | 505,000 | 1,046,000 | 1,665,000 | 2,302,000 |
| Net interest income | 1,294,000 | 2,564,000 | 3,857,000 | 5,167,000 |
| Noninterest income | 166,000 | 351,000 | 519,000 | 703,000 |
| Noninterest expense | 896,000 | 1,777,000 | 2,696,000 | 3,683,000 |
| Provision for loan losses | 25,000 | 65,000 | 90,000 | 110,000 |
| Pretax income | 539,000 | 1,073,000 | 1,590,000 | 2,077,000 |
| Income tax | 94,000 | 183,000 | 265,000 | 341,000 |
| Net income | 445,000 | 890,000 | 1,325,000 | 1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,439,000 | 16,684,000 | 17,119,000 | 17,331,000 |
| Total capital | 17,452,000 | 17,752,000 | 18,214,000 | 18,410,000 |
| Risk-weighted assets | 80,964,000 | 85,393,000 | 88,420,000 | 86,341,000 |