Call reports 2005
FIRST NEODESHA BANK — 2005
What FIRST NEODESHA BANK 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 | 52,743,000 | 51,219,000 | 50,395,000 | 53,063,000 |
| Total loans | 40,924,000 | 40,206,000 | 39,213,000 | 39,345,000 |
| Allowance for loan losses | 372,000 | 368,000 | 367,000 | 362,000 |
| Securities available for sale | 15,000 | 15,000 | 15,000 | 0 |
| Securities held to maturity | 8,520,000 | 8,413,000 | 8,348,000 | 9,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,168,000 | 46,271,000 | 45,616,000 | 48,213,000 |
| Interest-bearing deposits | 40,898,000 | 38,916,000 | 38,058,000 | 40,675,000 |
| Noninterest-bearing deposits | 7,270,000 | 7,355,000 | 7,558,000 | 7,538,000 |
| Equity capital | 3,699,000 | 3,784,000 | 3,925,000 | 4,136,000 |
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 | 689,000 | 1,404,000 | 2,131,000 | 2,876,000 |
| Interest expense | 220,000 | 449,000 | 691,000 | 952,000 |
| Net interest income | 469,000 | 955,000 | 1,440,000 | 1,924,000 |
| Noninterest income | 107,000 | 201,000 | 294,000 | 385,000 |
| Noninterest expense | 334,000 | 679,000 | 1,033,000 | 1,390,000 |
| Provision for loan losses | 21,000 | 22,000 | 22,000 | 20,000 |
| Pretax income | 221,000 | 455,000 | 679,000 | 899,000 |
| Income tax | 9,000 | 20,000 | 32,000 | 41,000 |
| Net income | 212,000 | 435,000 | 647,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,699,000 | 3,784,000 | 3,925,000 | 4,136,000 |
| Total capital | 4,071,000 | 4,152,000 | 4,292,000 | 4,498,000 |
| Risk-weighted assets | 34,909,000 | 34,583,000 | 33,666,000 | 34,792,000 |