Call reports 2004
INFIRST BANK — 2004
What INFIRST BANK 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 | 170,217,000 | 168,740,000 | 165,959,000 | 167,705,000 |
| Total loans | 82,415,000 | 87,229,000 | 89,763,000 | 90,814,000 |
| Allowance for loan losses | 1,192,000 | 1,186,000 | 1,187,000 | 1,186,000 |
| Securities available for sale | 41,658,000 | 42,095,000 | 41,279,000 | 35,659,000 |
| Securities held to maturity | 8,783,000 | 7,720,000 | 6,582,000 | 6,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,815,000 | 142,710,000 | 140,283,000 | 142,811,000 |
| Interest-bearing deposits | 130,751,000 | 130,443,000 | 128,851,000 | 130,787,000 |
| Noninterest-bearing deposits | 11,064,000 | 12,267,000 | 11,432,000 | 12,024,000 |
| Equity capital | 19,480,000 | 19,194,000 | 19,374,000 | 19,676,000 |
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 | 1,822,000 | 3,613,000 | 5,506,000 | 7,472,000 |
| Interest expense | 769,000 | 1,509,000 | 2,250,000 | 2,974,000 |
| Net interest income | 1,053,000 | 2,104,000 | 3,256,000 | 4,498,000 |
| Noninterest income | 345,000 | 590,000 | 933,000 | 1,338,000 |
| Noninterest expense | 1,169,000 | 2,354,000 | 3,665,000 | 5,008,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 275,000 | 386,000 | 570,000 | 890,000 |
| Income tax | 40,000 | 93,000 | 84,000 | 148,000 |
| Net income | 235,000 | 293,000 | 486,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,031,000 | 19,358,000 | 19,199,000 | 19,607,000 |
| Total capital | 20,223,000 | 20,536,000 | 20,377,000 | 20,793,000 |
| Risk-weighted assets | 95,818,000 | 94,252,000 | 94,283,000 | 97,181,000 |
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