Call reports 2005
FIRST NATIONAL BANK OF PANA — 2005
What FIRST NATIONAL BANK OF PANA 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 | 95,115,000 | 95,803,000 | 98,121,000 | 103,693,000 |
| Total loans | 63,084,000 | 66,832,000 | 70,574,000 | 72,139,000 |
| Allowance for loan losses | 930,000 | 947,000 | 933,000 | 953,000 |
| Securities available for sale | 9,637,000 | 8,300,000 | 7,636,000 | 7,083,000 |
| Securities held to maturity | 7,321,000 | 7,510,000 | 7,503,000 | 7,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,282,000 | 83,631,000 | 85,792,000 | 91,228,000 |
| Interest-bearing deposits | 73,430,000 | 72,554,000 | 75,462,000 | 80,754,000 |
| Noninterest-bearing deposits | 9,852,000 | 11,077,000 | 10,330,000 | 10,474,000 |
| Equity capital | 11,032,000 | 11,225,000 | 11,457,000 | 11,435,000 |
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 | 1,243,000 | 2,534,000 | 3,928,000 | 5,377,000 |
| Interest expense | 398,000 | 829,000 | 1,339,000 | 1,913,000 |
| Net interest income | 845,000 | 1,705,000 | 2,589,000 | 3,464,000 |
| Noninterest income | 160,000 | 339,000 | 517,000 | 711,000 |
| Noninterest expense | 607,000 | 1,235,000 | 1,887,000 | 2,664,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 75,000 |
| Pretax income | 375,000 | 764,000 | 1,152,000 | 1,436,000 |
| Income tax | 116,000 | 237,000 | 357,000 | 384,000 |
| Net income | 259,000 | 527,000 | 795,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,096,000 | 11,217,000 | 11,485,000 | 11,498,000 |
| Total capital | 11,857,000 | 12,030,000 | 12,342,000 | 12,383,000 |
| Risk-weighted assets | 60,748,000 | 64,183,000 | 67,695,000 | 71,622,000 |