Call reports 2004
FIRST AMERICAN BANK — 2004
What FIRST AMERICAN 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 | 333,765,000 | 345,118,000 | 363,888,000 | 362,224,000 |
| Total loans | 211,557,000 | 216,055,000 | 219,298,000 | 227,786,000 |
| Allowance for loan losses | 3,262,000 | 3,405,000 | 3,473,000 | 3,805,000 |
| Securities available for sale | 84,942,000 | 85,318,000 | 87,565,000 | 93,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,491,000 | 275,422,000 | 284,440,000 | 294,616,000 |
| Interest-bearing deposits | 196,609,000 | 205,987,000 | 214,331,000 | 219,207,000 |
| Noninterest-bearing deposits | 63,882,000 | 69,435,000 | 70,109,000 | 75,409,000 |
| Equity capital | 25,894,000 | 23,302,000 | 25,840,000 | 27,225,000 |
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 | 4,685,000 | 9,521,000 | 14,484,000 | 19,699,000 |
| Interest expense | 963,000 | 1,936,000 | 2,977,000 | 4,103,000 |
| Net interest income | 3,722,000 | 7,585,000 | 11,507,000 | 15,596,000 |
| Noninterest income | 973,000 | 2,018,000 | 3,063,000 | 4,081,000 |
| Noninterest expense | 2,881,000 | 5,790,000 | 8,705,000 | 11,600,000 |
| Provision for loan losses | 156,000 | 334,000 | 550,000 | 972,000 |
| Pretax income | 1,658,000 | 3,534,000 | 5,370,000 | 7,160,000 |
| Income tax | 38,000 | 77,000 | 116,000 | 155,000 |
| Net income | 1,620,000 | 3,457,000 | 5,254,000 | 7,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,457,000 | 24,308,000 | 25,113,000 | 26,864,000 |
| Total capital | 27,478,000 | 27,428,000 | 28,301,000 | 30,138,000 |
| Risk-weighted assets | 241,459,000 | 249,299,000 | 254,751,000 | 261,424,000 |
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