Call reports 2005
FIRST NATIONAL BANK OF CRESTVIEW — 2005
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 189,275,000 | 184,451,000 | 188,864,000 | 243,159,000 |
| Total loans | 107,936,000 | 111,696,000 | 111,666,000 | 101,124,000 |
| Allowance for loan losses | 918,000 | 1,171,000 | 1,215,000 | 1,263,000 |
| Securities available for sale | 44,831,000 | 48,420,000 | 47,552,000 | 124,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,813,000 | 158,542,000 | 162,076,000 | 186,632,000 |
| Interest-bearing deposits | 130,839,000 | 123,005,000 | 124,946,000 | 153,155,000 |
| Noninterest-bearing deposits | 32,974,000 | 35,537,000 | 37,130,000 | 33,477,000 |
| Equity capital | 23,870,000 | 24,583,000 | 25,020,000 | 18,668,000 |
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 | 2,369,000 | 4,902,000 | 7,435,000 | 10,413,000 |
| Interest expense | 624,000 | 1,271,000 | 1,969,000 | 3,026,000 |
| Net interest income | 1,745,000 | 3,631,000 | 5,466,000 | 7,387,000 |
| Noninterest income | 95,000 | 210,000 | 315,000 | 507,000 |
| Noninterest expense | 909,000 | 1,803,000 | 2,677,000 | 3,560,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 901,000 | 1,978,000 | 3,014,000 | 4,214,000 |
| Income tax | 296,000 | 657,000 | 1,002,000 | 1,367,000 |
| Net income | 605,000 | 1,321,000 | 2,012,000 | 2,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,082,000 | 24,646,000 | 25,189,000 | 19,171,000 |
| Total capital | 25,000,000 | 25,817,000 | 26,404,000 | 20,434,000 |
| Risk-weighted assets | 132,218,000 | 135,824,000 | 136,069,000 | 140,276,000 |