Call reports 2005
FIRST BANK OF NEWTON — 2005
What FIRST BANK OF NEWTON 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 | 110,113,000 | 114,346,000 | 112,008,000 | 116,712,000 |
| Total loans | 84,010,000 | 85,649,000 | 87,521,000 | 87,691,000 |
| Allowance for loan losses | 542,000 | 546,000 | 565,000 | 531,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,439,000 | 18,580,000 | 17,926,000 | 20,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,265,000 | 106,244,000 | 101,750,000 | 108,456,000 |
| Interest-bearing deposits | 95,436,000 | 95,605,000 | 93,919,000 | 99,757,000 |
| Noninterest-bearing deposits | 6,829,000 | 10,639,000 | 7,831,000 | 8,699,000 |
| Equity capital | 7,541,000 | 7,675,000 | 7,830,000 | 7,819,000 |
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 | 1,499,000 | 3,099,000 | 4,818,000 | 6,591,000 |
| Interest expense | 424,000 | 898,000 | 1,421,000 | 2,028,000 |
| Net interest income | 1,075,000 | 2,201,000 | 3,397,000 | 4,563,000 |
| Noninterest income | 171,000 | 366,000 | 544,000 | 741,000 |
| Noninterest expense | 801,000 | 1,656,000 | 2,530,000 | 3,373,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 390,000 |
| Pretax income | 415,000 | 871,000 | 1,341,000 | 1,541,000 |
| Income tax | 12,000 | 33,000 | 48,000 | 59,000 |
| Net income | 403,000 | 838,000 | 1,293,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,541,000 | 7,675,000 | 7,830,000 | 7,819,000 |
| Total capital | 8,083,000 | 8,221,000 | 8,395,000 | 8,350,000 |
| Risk-weighted assets | 76,445,000 | 78,796,000 | 80,213,000 | 81,261,000 |
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