Call reports 2005
FIRST NATIONAL BANK OF NASSAU COUNTY — 2005
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 158,705,000 | 161,230,000 | 173,939,000 | 190,427,000 |
| Total loans | 96,454,000 | 112,778,000 | 116,705,000 | 122,478,000 |
| Allowance for loan losses | 1,174,000 | 1,296,000 | 1,396,000 | 1,460,000 |
| Securities available for sale | 20,883,000 | 20,629,000 | 20,504,000 | 23,725,000 |
| Securities held to maturity | 13,568,000 | 12,944,000 | 12,230,000 | 11,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,482,000 | 128,672,000 | 140,610,000 | 144,386,000 |
| Interest-bearing deposits | 111,487,000 | 115,932,000 | 127,122,000 | 130,331,000 |
| Noninterest-bearing deposits | 14,995,000 | 12,740,000 | 13,488,000 | 14,055,000 |
| Equity capital | 13,676,000 | 14,069,000 | 14,486,000 | 26,205,000 |
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 | 2,001,000 | 4,261,000 | 6,759,000 | 2,816,000 |
| Interest expense | 762,000 | 1,678,000 | 2,741,000 | 1,275,000 |
| Net interest income | 1,239,000 | 2,583,000 | 4,018,000 | 1,541,000 |
| Noninterest income | 302,000 | 570,000 | 848,000 | 327,000 |
| Noninterest expense | 947,000 | 1,913,000 | 2,889,000 | 1,198,000 |
| Provision for loan losses | 71,000 | 201,000 | 301,000 | 64,000 |
| Pretax income | 528,000 | 1,044,000 | 1,681,000 | 606,000 |
| Income tax | 184,000 | 365,000 | 586,000 | 216,000 |
| Net income | 344,000 | 679,000 | 1,095,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,894,000 | 14,229,000 | 14,645,000 | 15,036,000 |
| Total capital | 15,242,000 | 15,722,000 | 16,248,000 | 16,640,000 |
| Risk-weighted assets | 122,953,000 | 134,225,000 | 140,696,000 | 145,553,000 |