Call reports 2005
FIRST NATIONAL BANK, CORTEZ — 2005
What FIRST NATIONAL BANK, CORTEZ 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 | 71,326,000 | 69,827,000 | 73,041,000 | 72,824,000 |
| Total loans | 17,008,000 | 17,801,000 | 17,712,000 | 19,120,000 |
| Allowance for loan losses | 367,000 | 365,000 | 334,000 | 321,000 |
| Securities available for sale | 47,591,000 | 47,764,000 | 45,979,000 | 47,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,394,000 | 59,016,000 | 62,080,000 | 61,821,000 |
| Interest-bearing deposits | 45,724,000 | 44,038,000 | 43,971,000 | 45,035,000 |
| Noninterest-bearing deposits | 14,670,000 | 14,978,000 | 18,109,000 | 16,786,000 |
| Equity capital | 6,557,000 | 6,845,000 | 6,969,000 | 6,567,000 |
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 | 826,000 | 1,673,000 | 2,554,000 | 3,434,000 |
| Interest expense | 201,000 | 413,000 | 641,000 | 900,000 |
| Net interest income | 625,000 | 1,260,000 | 1,913,000 | 2,534,000 |
| Noninterest income | 213,000 | 358,000 | 515,000 | 639,000 |
| Noninterest expense | 612,000 | 1,195,000 | 1,781,000 | 2,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 245,000 | 437,000 | 661,000 | 819,000 |
| Income tax | 44,000 | 68,000 | 90,000 | 91,000 |
| Net income | 201,000 | 369,000 | 571,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,494,000 | 6,610,000 | 6,869,000 | 6,824,000 |
| Total capital | 6,861,000 | 6,975,000 | 7,203,000 | 7,145,000 |
| Risk-weighted assets | 30,361,000 | 30,417,000 | 31,621,000 | 32,443,000 |