Call reports 2005
FIRST NATIONAL BANK AND TRUST — 2005
What FIRST NATIONAL BANK AND 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 | 48,399,000 | 51,579,000 | 53,834,000 | 57,996,000 |
| Total loans | 36,944,000 | 40,940,000 | 43,470,000 | 45,689,000 |
| Allowance for loan losses | 568,000 | 568,000 | 576,000 | 576,000 |
| Securities available for sale | 4,889,000 | 5,025,000 | 4,607,000 | 5,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,055,000 | 45,151,000 | 43,276,000 | 44,459,000 |
| Interest-bearing deposits | 35,306,000 | 36,923,000 | 34,342,000 | 37,411,000 |
| Noninterest-bearing deposits | 6,749,000 | 8,228,000 | 8,934,000 | 7,048,000 |
| Equity capital | 3,657,000 | 3,706,000 | 3,770,000 | 3,821,000 |
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 | 702,000 | 1,487,000 | 2,356,000 | 3,300,000 |
| Interest expense | 232,000 | 482,000 | 776,000 | 1,127,000 |
| Net interest income | 470,000 | 1,005,000 | 1,580,000 | 2,173,000 |
| Noninterest income | 114,000 | 225,000 | 347,000 | 496,000 |
| Noninterest expense | 454,000 | 931,000 | 1,405,000 | 1,939,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 20,000 |
| Pretax income | 130,000 | 299,000 | 512,000 | 710,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 126,000 | 295,000 | 508,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,686,000 | 3,730,000 | 3,818,000 | 3,900,000 |
| Total capital | 4,126,000 | 4,215,000 | 4,332,000 | 4,435,000 |
| Risk-weighted assets | 35,050,000 | 38,699,000 | 41,097,000 | 42,781,000 |