Call reports 2005
FIRST NATIONAL BANK — 2005
What FIRST 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 | 210,066,000 | 215,939,000 | 208,776,000 | 211,247,000 |
| Total loans | 168,565,000 | 169,057,000 | 170,080,000 | 170,697,000 |
| Allowance for loan losses | 1,731,000 | 1,574,000 | 1,535,000 | 1,755,000 |
| Securities available for sale | 14,831,000 | 13,354,000 | 13,545,000 | 13,307,000 |
| Securities held to maturity | 208,000 | 207,000 | 206,000 | 205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,022,000 | 197,397,000 | 190,112,000 | 192,426,000 |
| Interest-bearing deposits | 163,086,000 | 169,493,000 | 162,089,000 | 162,803,000 |
| Noninterest-bearing deposits | 26,936,000 | 27,904,000 | 28,023,000 | 29,623,000 |
| Equity capital | 16,761,000 | 17,113,000 | 17,046,000 | 17,316,000 |
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 | 2,734,000 | 5,867,000 | 8,891,000 | 11,999,000 |
| Interest expense | 944,000 | 1,936,000 | 2,961,000 | 4,043,000 |
| Net interest income | 1,790,000 | 3,931,000 | 5,930,000 | 7,956,000 |
| Noninterest income | 333,000 | 724,000 | 1,177,000 | 1,608,000 |
| Noninterest expense | 1,762,000 | 3,546,000 | 5,343,000 | 7,084,000 |
| Provision for loan losses | 105,000 | 415,000 | 584,000 | 819,000 |
| Pretax income | 256,000 | 694,000 | 1,180,000 | 1,661,000 |
| Income tax | 60,000 | 190,000 | 339,000 | 483,000 |
| Net income | 196,000 | 504,000 | 841,000 | 1,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,779,000 | 17,087,000 | 17,055,000 | 17,391,000 |
| Total capital | 18,510,000 | 18,661,000 | 18,590,000 | 19,146,000 |
| Risk-weighted assets | 146,007,000 | 151,286,000 | 152,032,000 | 150,316,000 |