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 | 80,858,000 | 70,207,000 | 70,259,000 | 68,830,000 |
| Total loans | 42,020,000 | 36,754,000 | 32,975,000 | 31,278,000 |
| Allowance for loan losses | 1,422,000 | 1,412,000 | 1,398,000 | 1,351,000 |
| Securities available for sale | 30,641,000 | 28,788,000 | 30,276,000 | 32,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,200,000 | 62,337,000 | 62,841,000 | 59,648,000 |
| Interest-bearing deposits | 60,134,000 | 55,371,000 | 55,616,000 | 53,857,000 |
| Noninterest-bearing deposits | 8,066,000 | 6,966,000 | 7,225,000 | 5,791,000 |
| Equity capital | 6,603,000 | 6,908,000 | 7,066,000 | 7,102,000 |
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 | 1,045,000 | 2,062,000 | 3,083,000 | 4,053,000 |
| Interest expense | 261,000 | 530,000 | 827,000 | 1,162,000 |
| Net interest income | 784,000 | 1,532,000 | 2,256,000 | 2,891,000 |
| Noninterest income | 98,000 | 166,000 | 253,000 | 329,000 |
| Noninterest expense | 505,000 | 988,000 | 1,489,000 | 1,961,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 322,000 | 655,000 | 965,000 | 1,204,000 |
| Income tax | 111,000 | 229,000 | 337,000 | 412,000 |
| Net income | 211,000 | 426,000 | 628,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,737,000 | 6,966,000 | 7,181,000 | 7,358,000 |
| Total capital | 7,344,000 | 7,499,000 | 7,683,000 | 7,844,000 |
| Risk-weighted assets | 47,717,000 | 41,564,000 | 39,232,000 | 37,983,000 |