Call reports 2005
SECOND NATIONAL BANK — 2005
What SECOND NATIONAL BANK 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 | 421,899,000 | 397,452,000 | 389,908,000 | 392,257,000 |
| Total loans | 191,110,000 | 193,591,000 | 197,973,000 | 203,638,000 |
| Allowance for loan losses | 4,355,000 | 4,404,000 | 4,427,000 | 4,077,000 |
| Securities available for sale | 158,534,000 | 165,765,000 | 154,169,000 | 146,462,000 |
| Securities held to maturity | 19,010,000 | 19,020,000 | 16,893,000 | 15,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,942,000 | 253,112,000 | 247,836,000 | 250,595,000 |
| Interest-bearing deposits | 228,589,000 | 220,818,000 | 211,296,000 | 209,002,000 |
| Noninterest-bearing deposits | 36,353,000 | 32,294,000 | 36,540,000 | 41,593,000 |
| Equity capital | 22,280,000 | 25,101,000 | 25,030,000 | 20,861,000 |
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 | 5,236,000 | 10,890,000 | 16,344,000 | 21,845,000 |
| Interest expense | 1,785,000 | 3,919,000 | 6,015,000 | 8,253,000 |
| Net interest income | 3,451,000 | 6,971,000 | 10,329,000 | 13,592,000 |
| Noninterest income | 506,000 | 1,060,000 | 1,630,000 | 2,153,000 |
| Noninterest expense | 2,019,000 | 3,917,000 | 5,785,000 | 7,552,000 |
| Provision for loan losses | 10,000 | 70,000 | 130,000 | -510,000 |
| Pretax income | 1,928,000 | 4,044,000 | 6,044,000 | 8,703,000 |
| Income tax | 581,000 | 1,226,000 | 1,834,000 | 2,674,000 |
| Net income | 1,347,000 | 2,818,000 | 4,210,000 | 6,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,671,000 | 24,144,000 | 25,535,000 | 21,857,000 |
| Total capital | 30,616,000 | 32,024,000 | 33,379,000 | 29,820,000 |
| Risk-weighted assets | 234,223,000 | 228,858,000 | 225,943,000 | 235,895,000 |