Call reports 2005
FIRST AMERICAN BANK — 2005
What FIRST AMERICAN 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 | 372,340,000 | 375,591,000 | 389,468,000 | 392,318,000 |
| Total loans | 238,210,000 | 244,165,000 | 248,277,000 | 248,328,000 |
| Allowance for loan losses | 3,959,000 | 4,196,000 | 4,272,000 | 4,335,000 |
| Securities available for sale | 91,121,000 | 91,299,000 | 89,666,000 | 91,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,060,000 | 301,629,000 | 305,650,000 | 314,267,000 |
| Interest-bearing deposits | 220,687,000 | 214,580,000 | 216,670,000 | 217,047,000 |
| Noninterest-bearing deposits | 79,373,000 | 87,049,000 | 88,980,000 | 97,220,000 |
| Equity capital | 26,323,000 | 26,793,000 | 27,837,000 | 28,774,000 |
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 | 5,327,000 | 10,958,000 | 16,986,000 | 23,351,000 |
| Interest expense | 1,188,000 | 2,392,000 | 3,776,000 | 5,257,000 |
| Net interest income | 4,139,000 | 8,566,000 | 13,210,000 | 18,094,000 |
| Noninterest income | 1,037,000 | 2,088,000 | 3,159,000 | 4,250,000 |
| Noninterest expense | 3,191,000 | 6,284,000 | 9,606,000 | 13,323,000 |
| Provision for loan losses | 191,000 | 484,000 | 758,000 | 981,000 |
| Pretax income | 1,796,000 | 3,894,000 | 6,013,000 | 8,048,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 1,793,000 | 3,891,000 | 6,010,000 | 8,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,277,000 | 27,159,000 | 28,710,000 | 30,636,000 |
| Total capital | 30,917,000 | 30,818,000 | 32,503,000 | 34,481,000 |
| Risk-weighted assets | 290,805,000 | 292,161,000 | 302,964,000 | 307,117,000 |
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