Call reports 2005
INFIRST BANK — 2005
What INFIRST 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 | 172,710,000 | 173,364,000 | 172,088,000 | 172,850,000 |
| Total loans | 92,446,000 | 97,305,000 | 100,870,000 | 107,418,000 |
| Allowance for loan losses | 1,185,000 | 1,179,000 | 1,179,000 | 1,159,000 |
| Securities available for sale | 40,140,000 | 41,966,000 | 40,550,000 | 39,021,000 |
| Securities held to maturity | 5,951,000 | 7,460,000 | 8,381,000 | 8,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,324,000 | 149,250,000 | 147,437,000 | 149,124,000 |
| Interest-bearing deposits | 133,605,000 | 133,519,000 | 133,174,000 | 134,402,000 |
| Noninterest-bearing deposits | 14,719,000 | 15,731,000 | 14,263,000 | 14,722,000 |
| Equity capital | 19,537,000 | 19,650,000 | 19,752,000 | 19,786,000 |
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 | 1,992,000 | 3,955,000 | 6,112,000 | 8,331,000 |
| Interest expense | 757,000 | 1,542,000 | 2,389,000 | 3,287,000 |
| Net interest income | 1,235,000 | 2,413,000 | 3,723,000 | 5,044,000 |
| Noninterest income | 285,000 | 593,000 | 905,000 | 1,229,000 |
| Noninterest expense | 1,335,000 | 2,887,000 | 4,186,000 | 5,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 119,000 | 442,000 | 646,000 |
| Income tax | 35,000 | -33,000 | 39,000 | 66,000 |
| Net income | 149,000 | 152,000 | 403,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,767,000 | 19,818,000 | 18,683,000 | 19,326,000 |
| Total capital | 20,952,000 | 20,997,000 | 19,862,000 | 20,485,000 |
| Risk-weighted assets | 121,372,000 | 115,794,000 | 110,496,000 | 112,941,000 |
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