Call reports 2005
FIRST NATIONAL BANK — 2005
What FIRST 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 | 443,505,000 | 464,504,000 | 487,045,000 | 495,438,000 |
| Total loans | 370,676,000 | 380,282,000 | 387,906,000 | 406,608,000 |
| Allowance for loan losses | 3,111,000 | 3,645,000 | 3,879,000 | 4,066,000 |
| Securities available for sale | 45,757,000 | 48,821,000 | 63,488,000 | 51,197,000 |
| Securities held to maturity | 2,551,000 | 2,121,000 | 2,107,000 | 1,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,397,000 | 419,809,000 | 441,811,000 | 445,600,000 |
| Interest-bearing deposits | 359,188,000 | 361,704,000 | 396,386,000 | 402,258,000 |
| Noninterest-bearing deposits | 41,209,000 | 58,105,000 | 45,425,000 | 43,342,000 |
| Equity capital | 30,131,000 | 30,677,000 | 31,298,000 | 35,459,000 |
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 | 6,311,000 | 12,920,000 | 20,215,000 | 28,115,000 |
| Interest expense | 1,822,000 | 3,873,000 | 6,380,000 | 9,360,000 |
| Net interest income | 4,489,000 | 9,047,000 | 13,835,000 | 18,755,000 |
| Noninterest income | 661,000 | 1,482,000 | 2,350,000 | 2,724,000 |
| Noninterest expense | 3,064,000 | 6,132,000 | 9,311,000 | 12,603,000 |
| Provision for loan losses | 200,000 | 657,000 | 1,044,000 | 1,427,000 |
| Pretax income | 1,886,000 | 3,740,000 | 5,830,000 | 7,449,000 |
| Income tax | 26,000 | 51,000 | 81,000 | 103,000 |
| Net income | 1,860,000 | 3,689,000 | 5,749,000 | 7,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,322,000 | 30,667,000 | 31,469,000 | 35,825,000 |
| Total capital | 42,483,000 | 43,362,000 | 44,398,000 | 48,941,000 |
| Risk-weighted assets | 391,469,000 | 405,054,000 | 414,334,000 | 435,105,000 |