Call reports 2005
NATIONAL AMERICAN BANK — 2005
What NATIONAL AMERICAN 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 | 82,108,000 | 87,275,000 | 86,085,000 | 89,232,000 |
| Total loans | 52,431,000 | 53,595,000 | 50,533,000 | 49,213,000 |
| Allowance for loan losses | 991,000 | 850,000 | 810,000 | 776,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,500,000 | 12,983,000 | 15,955,000 | 17,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,712,000 | 70,046,000 | 65,967,000 | 66,567,000 |
| Interest-bearing deposits | 60,396,000 | 65,767,000 | 61,329,000 | 61,046,000 |
| Noninterest-bearing deposits | 5,317,000 | 4,279,000 | 4,638,000 | 5,521,000 |
| Equity capital | 10,200,000 | 10,279,000 | 10,439,000 | 10,626,000 |
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 | 952,000 | 2,072,000 | 3,331,000 | 4,689,000 |
| Interest expense | 306,000 | 728,000 | 1,223,000 | 1,764,000 |
| Net interest income | 646,000 | 1,344,000 | 2,108,000 | 2,925,000 |
| Noninterest income | 17,000 | 28,000 | 40,000 | 53,000 |
| Noninterest expense | 545,000 | 1,086,000 | 1,630,000 | 2,173,000 |
| Provision for loan losses | 15,000 | 48,000 | 8,000 | -22,000 |
| Pretax income | 103,000 | 238,000 | 510,000 | 827,000 |
| Income tax | 41,000 | 97,000 | 209,000 | 339,000 |
| Net income | 62,000 | 141,000 | 301,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,200,000 | 10,279,000 | 10,439,000 | 10,626,000 |
| Total capital | 10,945,000 | 11,057,000 | 11,168,000 | 11,357,000 |
| Risk-weighted assets | 59,352,000 | 61,449,000 | 58,241,000 | 58,405,000 |