Call reports 2005
FIRST NATIONAL BANK OF HICO, THE — 2005
What FIRST NATIONAL BANK OF HICO, THE 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 | 26,715,000 | 27,243,000 | 27,749,000 | 28,225,000 |
| Total loans | 9,823,000 | 10,469,000 | 10,669,000 | 10,581,000 |
| Allowance for loan losses | 192,000 | 194,000 | 193,000 | 173,000 |
| Securities available for sale | 8,994,000 | 8,917,000 | 8,524,000 | 8,018,000 |
| Securities held to maturity | 3,827,000 | 4,622,000 | 5,207,000 | 5,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,333,000 | 24,805,000 | 25,266,000 | 25,712,000 |
| Interest-bearing deposits | 18,190,000 | 18,754,000 | 18,742,000 | 19,145,000 |
| Noninterest-bearing deposits | 6,143,000 | 6,051,000 | 6,524,000 | 6,567,000 |
| Equity capital | 2,328,000 | 2,402,000 | 2,454,000 | 2,494,000 |
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 | 291,000 | 589,000 | 909,000 | 1,238,000 |
| Interest expense | 41,000 | 93,000 | 158,000 | 240,000 |
| Net interest income | 250,000 | 496,000 | 751,000 | 998,000 |
| Noninterest income | 56,000 | 111,000 | 177,000 | 254,000 |
| Noninterest expense | 238,000 | 476,000 | 729,000 | 977,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | 76,000 | 139,000 | 207,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 76,000 | 139,000 | 207,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,501,000 | 2,539,000 | 2,607,000 | 2,677,000 |
| Total capital | 2,662,000 | 2,711,000 | 2,784,000 | 2,850,000 |
| Risk-weighted assets | 12,873,000 | 13,740,000 | 14,144,000 | 14,490,000 |