Call reports 2005
FIRST NATIONAL BANK OF LACON — 2005
What FIRST NATIONAL BANK OF LACON 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 | 51,356,000 | 57,921,000 | 50,959,000 | 52,354,000 |
| Total loans | 29,737,000 | 30,872,000 | 30,954,000 | 30,499,000 |
| Allowance for loan losses | 155,000 | 171,000 | 177,000 | 199,000 |
| Securities available for sale | 13,190,000 | 15,569,000 | 15,502,000 | 15,358,000 |
| Securities held to maturity | 335,000 | 619,000 | 935,000 | 932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,945,000 | 50,328,000 | 43,382,000 | 45,090,000 |
| Interest-bearing deposits | 37,638,000 | 43,299,000 | 37,119,000 | 36,569,000 |
| Noninterest-bearing deposits | 6,307,000 | 7,029,000 | 6,263,000 | 8,521,000 |
| Equity capital | 4,550,000 | 4,684,000 | 4,609,000 | 4,449,000 |
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 | 671,000 | 1,365,000 | 2,077,000 | 2,812,000 |
| Interest expense | 185,000 | 376,000 | 569,000 | 777,000 |
| Net interest income | 486,000 | 989,000 | 1,508,000 | 2,035,000 |
| Noninterest income | 17,000 | 39,000 | 66,000 | 100,000 |
| Noninterest expense | 350,000 | 660,000 | 1,001,000 | 1,307,000 |
| Provision for loan losses | 0 | 25,000 | 38,000 | 53,000 |
| Pretax income | 153,000 | 343,000 | 535,000 | 775,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 343,000 | 535,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,860,000 | 4,865,000 | 4,857,000 | 4,841,000 |
| Total capital | 5,015,000 | 5,036,000 | 5,034,000 | 5,040,000 |
| Risk-weighted assets | 33,220,000 | 35,319,000 | 34,291,000 | 33,633,000 |