Call reports 2005
FIRST NATIONAL BANK OF ELMER — 2005
What FIRST NATIONAL BANK OF ELMER 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 | 208,687,000 | 208,469,000 | 209,694,000 | 203,411,000 |
| Total loans | 174,866,000 | 176,910,000 | 180,119,000 | 174,971,000 |
| Allowance for loan losses | 1,679,000 | 1,716,000 | 1,780,000 | 1,840,000 |
| Securities available for sale | 11,161,000 | 10,448,000 | 12,375,000 | 12,589,000 |
| Securities held to maturity | 5,912,000 | 6,755,000 | 5,666,000 | 5,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,341,000 | 190,427,000 | 191,067,000 | 184,532,000 |
| Interest-bearing deposits | 151,797,000 | 147,430,000 | 147,982,000 | 143,373,000 |
| Noninterest-bearing deposits | 38,544,000 | 42,997,000 | 43,085,000 | 41,159,000 |
| Equity capital | 16,728,000 | 17,362,000 | 17,335,000 | 17,818,000 |
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 | 2,942,000 | 6,049,000 | 9,254,000 | 12,521,000 |
| Interest expense | 652,000 | 1,410,000 | 2,236,000 | 3,137,000 |
| Net interest income | 2,290,000 | 4,639,000 | 7,018,000 | 9,384,000 |
| Noninterest income | 235,000 | 476,000 | 728,000 | 974,000 |
| Noninterest expense | 1,470,000 | 2,938,000 | 4,520,000 | 6,357,000 |
| Provision for loan losses | 62,000 | 123,000 | 184,000 | 216,000 |
| Pretax income | 993,000 | 2,054,000 | 3,042,000 | 3,785,000 |
| Income tax | 400,000 | 838,000 | 1,254,000 | 1,533,000 |
| Net income | 593,000 | 1,216,000 | 1,788,000 | 2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,816,000 | 17,429,000 | 17,400,000 | 17,865,000 |
| Total capital | 18,495,000 | 19,145,000 | 19,180,000 | 19,705,000 |
| Risk-weighted assets | 165,214,000 | 164,644,000 | 167,697,000 | 162,941,000 |