Call reports 2005
FIRST NATIONAL BANK AND TRUST — 2005
What FIRST NATIONAL BANK AND TRUST 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 | 153,910,000 | 137,194,000 | 138,201,000 | 144,324,000 |
| Total loans | 78,469,000 | 73,880,000 | 76,597,000 | 73,249,000 |
| Allowance for loan losses | 2,664,000 | 2,762,000 | 2,789,000 | 2,914,000 |
| Securities available for sale | 55,050,000 | 53,803,000 | 55,581,000 | 56,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,627,000 | 112,453,000 | 113,119,000 | 115,818,000 |
| Interest-bearing deposits | 103,863,000 | 99,358,000 | 98,359,000 | 100,705,000 |
| Noninterest-bearing deposits | 17,764,000 | 13,095,000 | 14,760,000 | 15,113,000 |
| Equity capital | 18,202,000 | 18,677,000 | 18,342,000 | 18,101,000 |
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 | 1,904,000 | 4,005,000 | 5,947,000 | 7,998,000 |
| Interest expense | 586,000 | 1,198,000 | 1,842,000 | 2,517,000 |
| Net interest income | 1,318,000 | 2,807,000 | 4,105,000 | 5,481,000 |
| Noninterest income | 242,000 | 493,000 | 693,000 | 968,000 |
| Noninterest expense | 974,000 | 1,922,000 | 2,974,000 | 4,049,000 |
| Provision for loan losses | 59,000 | 80,000 | 101,000 | 122,000 |
| Pretax income | 577,000 | 1,348,000 | 1,773,000 | 2,328,000 |
| Income tax | 23,000 | 49,000 | 72,000 | 95,000 |
| Net income | 554,000 | 1,299,000 | 1,701,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,869,000 | 18,816,000 | 18,818,000 | 18,976,000 |
| Total capital | 20,035,000 | 19,892,000 | 19,913,000 | 20,125,000 |
| Risk-weighted assets | 91,787,000 | 84,386,000 | 85,873,000 | 90,119,000 |