Call reports 2005
FIRST NATIONAL BANK OF ANDERSON, THE — 2005
What FIRST NATIONAL BANK OF ANDERSON, 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 | 87,474,000 | 85,759,000 | 84,182,000 | 85,144,000 |
| Total loans | 49,372,000 | 50,163,000 | 51,272,000 | 51,196,000 |
| Allowance for loan losses | 810,000 | 815,000 | 839,000 | 925,000 |
| Securities available for sale | 19,206,000 | 19,298,000 | 19,249,000 | 19,277,000 |
| Securities held to maturity | 3,312,000 | 3,035,000 | 3,085,000 | 4,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,624,000 | 76,624,000 | 74,665,000 | 76,097,000 |
| Interest-bearing deposits | 60,505,000 | 58,042,000 | 54,964,000 | 55,800,000 |
| Noninterest-bearing deposits | 18,119,000 | 18,582,000 | 19,701,000 | 20,297,000 |
| Equity capital | 8,324,000 | 8,695,000 | 9,067,000 | 8,664,000 |
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 | 1,085,000 | 2,222,000 | 3,418,000 | 4,645,000 |
| Interest expense | 244,000 | 517,000 | 818,000 | 1,142,000 |
| Net interest income | 841,000 | 1,705,000 | 2,600,000 | 3,503,000 |
| Noninterest income | 157,000 | 334,000 | 506,000 | 671,000 |
| Noninterest expense | 510,000 | 1,019,000 | 1,415,000 | 2,031,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 315,000 |
| Pretax income | 458,000 | 945,000 | 1,574,000 | 1,831,000 |
| Income tax | 166,000 | 347,000 | 576,000 | 614,000 |
| Net income | 292,000 | 598,000 | 998,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,536,000 | 8,841,000 | 9,241,000 | 8,876,000 |
| Total capital | 9,234,000 | 9,543,000 | 9,948,000 | 9,587,000 |
| Risk-weighted assets | 54,957,000 | 55,281,000 | 55,661,000 | 55,893,000 |