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 | 88,740,000 | 90,468,000 | 85,963,000 | 85,345,000 |
| Total loans | 34,270,000 | 33,008,000 | 31,224,000 | 29,512,000 |
| Allowance for loan losses | 372,000 | 376,000 | 376,000 | 373,000 |
| Securities available for sale | 50,944,000 | 53,252,000 | 51,102,000 | 50,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,714,000 | 73,046,000 | 69,251,000 | 68,864,000 |
| Interest-bearing deposits | 65,490,000 | 66,167,000 | 62,062,000 | 60,886,000 |
| Noninterest-bearing deposits | 6,224,000 | 6,879,000 | 7,189,000 | 7,978,000 |
| Equity capital | 6,715,000 | 7,182,000 | 7,317,000 | 7,252,000 |
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 | 1,050,000 | 2,108,000 | 3,154,000 | 4,169,000 |
| Interest expense | 262,000 | 634,000 | 1,076,000 | 1,535,000 |
| Net interest income | 788,000 | 1,474,000 | 2,078,000 | 2,634,000 |
| Noninterest income | 69,000 | 133,000 | 226,000 | 301,000 |
| Noninterest expense | 387,000 | 721,000 | 1,070,000 | 1,428,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 470,000 | 881,000 | 1,229,000 | 1,502,000 |
| Income tax | 163,000 | 305,000 | 423,000 | 516,000 |
| Net income | 307,000 | 576,000 | 806,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,273,000 | 7,542,000 | 7,772,000 | 7,952,000 |
| Total capital | 7,645,000 | 7,918,000 | 8,148,000 | 8,325,000 |
| Risk-weighted assets | 41,924,000 | 41,153,000 | 39,375,000 | 38,410,000 |