Call reports 2005
1ST NATIONAL BANK & TRUST — 2005
What 1ST NATIONAL BANK & 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 | 334,282,000 | 347,095,000 | 357,739,000 | 376,987,000 |
| Total loans | 238,572,000 | 255,228,000 | 270,977,000 | 283,820,000 |
| Allowance for loan losses | 2,400,000 | 2,558,000 | 2,717,000 | 2,846,000 |
| Securities available for sale | 68,584,000 | 68,262,000 | 63,906,000 | 71,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,247,000 | 292,367,000 | 299,288,000 | 324,966,000 |
| Interest-bearing deposits | 242,363,000 | 249,725,000 | 260,805,000 | 288,163,000 |
| Noninterest-bearing deposits | 44,884,000 | 42,642,000 | 38,483,000 | 36,803,000 |
| Equity capital | 27,124,000 | 28,449,000 | 29,147,000 | 29,476,000 |
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 | 4,631,000 | 9,516,000 | 14,747,000 | 20,213,000 |
| Interest expense | 1,356,000 | 2,947,000 | 4,836,000 | 7,167,000 |
| Net interest income | 3,275,000 | 6,569,000 | 9,911,000 | 13,046,000 |
| Noninterest income | 610,000 | 1,344,000 | 2,011,000 | 2,657,000 |
| Noninterest expense | 2,322,000 | 4,713,000 | 7,208,000 | 9,674,000 |
| Provision for loan losses | 41,000 | 194,000 | 352,000 | 481,000 |
| Pretax income | 1,524,000 | 3,010,000 | 4,364,000 | 5,545,000 |
| Income tax | 543,000 | 1,066,000 | 1,541,000 | 1,940,000 |
| Net income | 981,000 | 1,944,000 | 2,823,000 | 3,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,462,000 | 27,434,000 | 28,322,000 | 29,113,000 |
| Total capital | 28,862,000 | 29,992,000 | 31,039,000 | 31,959,000 |
| Risk-weighted assets | 246,192,000 | 257,490,000 | 267,771,000 | 278,815,000 |