Call reports 2004
FIRST BANK & TRUST — 2004
What FIRST BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 576,984,000 | 590,057,000 | 604,733,000 | 608,632,000 |
| Total loans | 416,121,000 | 424,005,000 | 436,241,000 | 439,772,000 |
| Allowance for loan losses | 5,868,000 | 5,472,000 | 5,190,000 | 4,794,000 |
| Securities available for sale | 121,142,000 | 121,828,000 | 130,614,000 | 122,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,206,000 | 460,379,000 | 454,174,000 | 471,136,000 |
| Interest-bearing deposits | 394,111,000 | 405,269,000 | 399,580,000 | 419,002,000 |
| Noninterest-bearing deposits | 48,095,000 | 55,111,000 | 54,593,000 | 52,134,000 |
| Equity capital | 49,806,000 | 49,745,000 | 51,883,000 | 53,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,500,000 | 15,141,000 | 22,993,000 | 30,883,000 |
| Interest expense | 2,628,000 | 5,361,000 | 8,209,000 | 11,139,000 |
| Net interest income | 4,872,000 | 9,780,000 | 14,784,000 | 19,744,000 |
| Noninterest income | 2,087,000 | 4,338,000 | 6,246,000 | 9,036,000 |
| Noninterest expense | 4,209,000 | 8,465,000 | 12,665,000 | 17,636,000 |
| Provision for loan losses | 435,000 | 585,000 | 585,000 | 935,000 |
| Pretax income | 2,315,000 | 4,763,000 | 7,474,000 | 10,781,000 |
| Income tax | 630,000 | 1,213,000 | 1,900,000 | 2,903,000 |
| Net income | 1,685,000 | 3,550,000 | 5,574,000 | 7,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,079,000 | 48,351,000 | 49,725,000 | 51,327,000 |
| Total capital | 53,058,000 | 53,988,000 | 55,068,000 | 56,313,000 |
| Risk-weighted assets | 458,678,000 | 471,789,000 | 486,236,000 | 477,801,000 |
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