Call reports 2005
FIRST MISSOURI BANK OF SEMO — 2005
What FIRST MISSOURI BANK OF SEMO 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 | 123,187,000 | 117,668,000 | 121,993,000 | 117,277,000 |
| Total loans | 91,408,000 | 96,988,000 | 100,727,000 | 83,668,000 |
| Allowance for loan losses | 1,235,000 | 1,228,000 | 1,228,000 | 1,159,000 |
| Securities available for sale | 12,442,000 | 13,020,000 | 12,970,000 | 14,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,148,000 | 93,112,000 | 89,959,000 | 95,152,000 |
| Interest-bearing deposits | 89,559,000 | 82,067,000 | 79,376,000 | 83,870,000 |
| Noninterest-bearing deposits | 10,589,000 | 11,045,000 | 10,583,000 | 11,282,000 |
| Equity capital | 9,967,000 | 10,273,000 | 10,515,000 | 10,738,000 |
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 | 1,641,000 | 3,382,000 | 5,290,000 | 7,150,000 |
| Interest expense | 605,000 | 1,233,000 | 1,943,000 | 2,639,000 |
| Net interest income | 1,036,000 | 2,149,000 | 3,347,000 | 4,511,000 |
| Noninterest income | 208,000 | 425,000 | 642,000 | 840,000 |
| Noninterest expense | 890,000 | 1,793,000 | 2,709,000 | 3,620,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 75,000 |
| Pretax income | 354,000 | 756,000 | 1,205,000 | 1,648,000 |
| Income tax | 126,000 | 272,000 | 435,000 | 591,000 |
| Net income | 228,000 | 484,000 | 770,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,007,000 | 10,264,000 | 10,549,000 | 10,836,000 |
| Total capital | 11,054,000 | 11,357,000 | 11,687,000 | 11,821,000 |
| Risk-weighted assets | 83,595,000 | 87,332,000 | 90,986,000 | 78,650,000 |
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