Call reports 2005
FIRST NATIONAL BANK IN GEORGETOWN — 2005
What FIRST NATIONAL BANK IN GEORGETOWN 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 | 26,493,000 | 26,052,000 | 25,595,000 | 25,614,000 |
| Total loans | 14,572,000 | 14,216,000 | 14,218,000 | 13,335,000 |
| Allowance for loan losses | 164,000 | 179,000 | 179,000 | 178,000 |
| Securities available for sale | 5,446,000 | 5,464,000 | 5,235,000 | 6,712,000 |
| Securities held to maturity | 560,000 | 549,000 | 549,000 | 369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,149,000 | 22,653,000 | 22,124,000 | 22,097,000 |
| Interest-bearing deposits | 19,797,000 | 19,367,000 | 19,082,000 | 18,972,000 |
| Noninterest-bearing deposits | 3,352,000 | 3,286,000 | 3,042,000 | 3,125,000 |
| Equity capital | 3,229,000 | 3,268,000 | 3,335,000 | 3,401,000 |
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 | 279,000 | 566,000 | 873,000 | 1,191,000 |
| Interest expense | 61,000 | 126,000 | 198,000 | 281,000 |
| Net interest income | 218,000 | 440,000 | 675,000 | 910,000 |
| Noninterest income | 34,000 | 49,000 | 94,000 | 135,000 |
| Noninterest expense | 194,000 | 378,000 | 573,000 | 763,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 43,000 | 81,000 | 166,000 | 252,000 |
| Income tax | 18,000 | 29,000 | 54,000 | 81,000 |
| Net income | 25,000 | 52,000 | 112,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,975,000 | 2,002,000 | 2,062,000 | 2,121,000 |
| Total capital | 1,849,000 | 1,880,000 | 1,933,000 | 1,986,000 |
| Risk-weighted assets | 13,187,000 | 13,207,000 | 12,864,000 | 12,508,000 |