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 |
|---|---|---|---|
| Total assets | 167,898,000 | 170,924,000 | 171,800,000 |
| Total loans | 142,686,000 | 122,618,000 | 115,757,000 |
| Allowance for loan losses | 4,014,000 | 4,485,000 | 4,543,000 |
| Securities available for sale | 14,138,000 | 15,573,000 | 16,806,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 148,866,000 | 151,684,000 | 151,953,000 |
| Interest-bearing deposits | 134,302,000 | 137,820,000 | 135,090,000 |
| Noninterest-bearing deposits | 14,563,000 | 13,864,000 | 16,863,000 |
| Equity capital | 10,503,000 | 10,623,000 | 10,693,000 |
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 |
|---|---|---|---|
| Interest income | 2,956,000 | 5,705,000 | 8,433,000 |
| Interest expense | 1,005,000 | 2,031,000 | 3,208,000 |
| Net interest income | 1,951,000 | 3,674,000 | 5,225,000 |
| Noninterest income | 269,000 | 556,000 | 910,000 |
| Noninterest expense | 1,562,000 | 2,919,000 | 4,660,000 |
| Provision for loan losses | 3,050,000 | 3,580,000 | 3,610,000 |
| Pretax income | -2,392,000 | -2,269,000 | -2,135,000 |
| Income tax | -987,000 | -938,000 | -885,000 |
| Net income | -1,405,000 | -1,331,000 | -1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 9,562,000 | 9,686,000 | 9,896,000 |
| Total capital | 11,362,000 | 11,313,000 | 11,417,000 |
| Risk-weighted assets | 141,627,000 | 127,141,000 | 118,429,000 |