Call reports 2005
NEWFIRST NATIONAL BANK — 2005
What NEWFIRST NATIONAL 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 | 180,867,000 | 191,891,000 | 205,841,000 | 213,323,000 |
| Total loans | 120,504,000 | 136,067,000 | 147,384,000 | 147,942,000 |
| Allowance for loan losses | 1,685,000 | 1,880,000 | 1,943,000 | 1,956,000 |
| Securities available for sale | 48,287,000 | 42,436,000 | 40,176,000 | 41,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,536,000 | 165,783,000 | 188,232,000 | 195,135,000 |
| Interest-bearing deposits | 114,867,000 | 121,623,000 | 130,356,000 | 137,613,000 |
| Noninterest-bearing deposits | 40,669,000 | 44,160,000 | 57,876,000 | 57,522,000 |
| Equity capital | 15,559,000 | 16,062,000 | 16,366,000 | 16,750,000 |
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 | 2,574,000 | 5,477,000 | 8,717,000 | 12,114,000 |
| Interest expense | 462,000 | 1,049,000 | 1,797,000 | 2,608,000 |
| Net interest income | 2,112,000 | 4,428,000 | 6,920,000 | 9,506,000 |
| Noninterest income | 515,000 | 1,029,000 | 1,555,000 | 2,042,000 |
| Noninterest expense | 1,725,000 | 3,570,000 | 5,728,000 | 7,939,000 |
| Provision for loan losses | 285,000 | 515,000 | 597,000 | 647,000 |
| Pretax income | 612,000 | 1,368,000 | 2,146,000 | 2,958,000 |
| Income tax | 0 | 0 | 0 | -18,000 |
| Net income | 612,000 | 1,368,000 | 2,146,000 | 2,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,522,000 | 15,833,000 | 15,533,000 | 16,862,000 |
| Total capital | 17,200,000 | 17,687,000 | 17,409,000 | 18,818,000 |
| Risk-weighted assets | 134,715,000 | 148,049,000 | 160,499,000 | 162,038,000 |