Call reports 2005
1ST EQUITY BANK — 2005
What 1ST EQUITY 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 | 111,398,000 | 109,949,000 | 121,176,000 | 127,196,000 |
| Total loans | 100,388,000 | 93,975,000 | 90,701,000 | 96,813,000 |
| Allowance for loan losses | 972,000 | 1,018,000 | 1,018,000 | 1,018,000 |
| Securities available for sale | 4,088,000 | 3,075,000 | 3,042,000 | 12,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,021,000 | 84,442,000 | 95,075,000 | 101,075,000 |
| Interest-bearing deposits | 78,274,000 | 78,401,000 | 87,496,000 | 93,835,000 |
| Noninterest-bearing deposits | 7,747,000 | 6,041,000 | 7,579,000 | 7,240,000 |
| Equity capital | 10,015,000 | 10,091,000 | 10,204,000 | 10,315,000 |
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 | 1,513,000 | 3,249,000 | 5,091,000 | 7,089,000 |
| Interest expense | 578,000 | 1,284,000 | 2,117,000 | 3,079,000 |
| Net interest income | 935,000 | 1,965,000 | 2,974,000 | 4,010,000 |
| Noninterest income | 24,000 | 53,000 | 81,000 | 103,000 |
| Noninterest expense | 398,000 | 888,000 | 1,356,000 | 1,834,000 |
| Provision for loan losses | 55,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 506,000 | 1,025,000 | 1,594,000 | 2,174,000 |
| Income tax | 7,000 | 15,000 | 19,000 | 27,000 |
| Net income | 499,000 | 1,010,000 | 1,575,000 | 2,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,040,000 | 10,101,000 | 10,214,000 | 10,337,000 |
| Total capital | 11,012,000 | 11,067,000 | 11,195,000 | 11,355,000 |
| Risk-weighted assets | 105,716,000 | 77,199,000 | 78,450,000 | 84,662,000 |
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