Call reports 2005
FIRST NATIONAL BANK OF LITCHFIELD, THE — 2005
What FIRST NATIONAL BANK OF LITCHFIELD, 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 | 72,487,000 | 73,064,000 | 75,227,000 | 75,308,000 |
| Total loans | 47,931,000 | 47,911,000 | 47,884,000 | 47,849,000 |
| Allowance for loan losses | 421,000 | 447,000 | 400,000 | 411,000 |
| Securities available for sale | 19,269,000 | 20,795,000 | 19,150,000 | 21,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,386,000 | 54,712,000 | 56,865,000 | 57,061,000 |
| Interest-bearing deposits | 48,536,000 | 48,263,000 | 49,936,000 | 49,271,000 |
| Noninterest-bearing deposits | 5,850,000 | 6,449,000 | 6,929,000 | 7,790,000 |
| Equity capital | 6,315,000 | 6,439,000 | 6,380,000 | 6,301,000 |
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 | 934,000 | 1,877,000 | 2,832,000 | 3,822,000 |
| Interest expense | 314,000 | 637,000 | 980,000 | 1,377,000 |
| Net interest income | 620,000 | 1,240,000 | 1,852,000 | 2,445,000 |
| Noninterest income | 47,000 | 92,000 | 142,000 | 185,000 |
| Noninterest expense | 457,000 | 898,000 | 1,338,000 | 1,760,000 |
| Provision for loan losses | 21,000 | 38,000 | 59,000 | 81,000 |
| Pretax income | 192,000 | 399,000 | 600,000 | 792,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 399,000 | 600,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,333,000 | 6,361,000 | 6,382,000 | 6,454,000 |
| Total capital | 6,754,000 | 6,808,000 | 6,782,000 | 6,865,000 |
| Risk-weighted assets | 51,807,000 | 52,489,000 | 52,931,000 | 54,342,000 |