Call reports 2005
FIRST NATIONAL BANK USA — 2005
What FIRST NATIONAL BANK USA 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 | 149,561,000 | 158,223,000 | 175,853,000 | 185,714,000 |
| Total loans | 140,565,000 | 148,255,000 | 158,533,000 | 158,969,000 |
| Allowance for loan losses | 1,291,000 | 1,325,000 | 1,370,000 | 1,788,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,578,000 | 132,231,000 | 154,636,000 | 164,271,000 |
| Interest-bearing deposits | 100,182,000 | 105,359,000 | 116,557,000 | 121,491,000 |
| Noninterest-bearing deposits | 25,396,000 | 26,872,000 | 38,079,000 | 42,780,000 |
| Equity capital | 16,331,000 | 16,902,000 | 17,522,000 | 17,544,000 |
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 | 2,382,000 | 4,976,000 | 7,819,000 | 10,905,000 |
| Interest expense | 623,000 | 1,323,000 | 2,157,000 | 3,056,000 |
| Net interest income | 1,759,000 | 3,653,000 | 5,662,000 | 7,849,000 |
| Noninterest income | 553,000 | 1,156,000 | 1,633,000 | 2,135,000 |
| Noninterest expense | 1,592,000 | 3,198,000 | 4,763,000 | 6,437,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 830,000 |
| Pretax income | 670,000 | 1,501,000 | 2,362,000 | 2,717,000 |
| Income tax | 192,000 | 452,000 | 693,000 | 1,026,000 |
| Net income | 478,000 | 1,049,000 | 1,669,000 | 1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,331,000 | 16,902,000 | 17,522,000 | 17,544,000 |
| Total capital | 17,622,000 | 18,227,000 | 18,892,000 | 19,332,000 |
| Risk-weighted assets | 126,823,000 | 132,582,000 | 143,859,000 | 150,171,000 |