Call reports 2005
LITCHFIELD NATIONAL BANK, THE — 2005
What LITCHFIELD NATIONAL BANK, 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 | 79,561,000 | 79,353,000 | 80,402,000 | 79,646,000 |
| Total loans | 44,150,000 | 42,838,000 | 43,734,000 | 43,274,000 |
| Allowance for loan losses | 438,000 | 432,000 | 411,000 | 406,000 |
| Securities available for sale | 26,654,000 | 28,884,000 | 28,764,000 | 29,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,342,000 | 72,798,000 | 73,379,000 | 73,180,000 |
| Interest-bearing deposits | 63,830,000 | 62,961,000 | 64,231,000 | 63,289,000 |
| Noninterest-bearing deposits | 9,512,000 | 9,837,000 | 9,148,000 | 9,891,000 |
| Equity capital | 5,265,000 | 5,460,000 | 5,473,000 | 5,418,000 |
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 | 931,000 | 1,895,000 | 2,905,000 | 3,956,000 |
| Interest expense | 246,000 | 517,000 | 824,000 | 1,174,000 |
| Net interest income | 685,000 | 1,378,000 | 2,081,000 | 2,782,000 |
| Noninterest income | 129,000 | 219,000 | 315,000 | 448,000 |
| Noninterest expense | 527,000 | 1,094,000 | 1,612,000 | 2,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 503,000 | 784,000 | 995,000 |
| Income tax | 98,000 | 175,000 | 260,000 | 332,000 |
| Net income | 189,000 | 328,000 | 524,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,422,000 | 5,556,000 | 5,652,000 | 5,691,000 |
| Total capital | 5,860,000 | 5,988,000 | 6,063,000 | 6,097,000 |
| Risk-weighted assets | 44,124,000 | 43,229,000 | 39,963,000 | 39,495,000 |