Call reports 2005
FIRST NATIONAL BANK OF PINE CITY, THE — 2005
What FIRST NATIONAL BANK OF PINE CITY, 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 | 53,872,000 | 53,369,000 | 53,326,000 | 55,598,000 |
| Total loans | 30,924,000 | 31,839,000 | 32,751,000 | 32,348,000 |
| Allowance for loan losses | 462,000 | 460,000 | 461,000 | 461,000 |
| Securities available for sale | 15,706,000 | 15,462,000 | 14,918,000 | 14,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,954,000 | 47,004,000 | 47,237,000 | 49,901,000 |
| Interest-bearing deposits | 41,426,000 | 40,754,000 | 40,814,000 | 41,955,000 |
| Noninterest-bearing deposits | 6,528,000 | 6,250,000 | 6,423,000 | 7,946,000 |
| Equity capital | 5,537,000 | 5,949,000 | 5,678,000 | 5,305,000 |
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 | 736,000 | 1,497,000 | 2,303,000 | 3,122,000 |
| Interest expense | 203,000 | 405,000 | 633,000 | 886,000 |
| Net interest income | 533,000 | 1,092,000 | 1,670,000 | 2,236,000 |
| Noninterest income | 58,000 | 118,000 | 178,000 | 233,000 |
| Noninterest expense | 347,000 | 700,000 | 1,047,000 | 1,437,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 244,000 | 510,000 | 801,000 | 1,032,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 243,000 | 509,000 | 800,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,797,000 | 6,063,000 | 5,853,000 | 5,584,000 |
| Total capital | 6,159,000 | 6,426,000 | 6,220,000 | 5,951,000 |
| Risk-weighted assets | 28,838,000 | 28,967,000 | 29,231,000 | 29,168,000 |