Call reports 2005
FIRST INDEPENDENT BANK — 2005
What FIRST INDEPENDENT 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 | 142,360,000 | 144,803,000 | 144,393,000 | 144,433,000 |
| Total loans | 128,280,000 | 130,572,000 | 129,537,000 | 123,510,000 |
| Allowance for loan losses | 1,934,000 | 2,093,000 | 2,009,000 | 2,003,000 |
| Securities available for sale | 3,300,000 | 3,051,000 | 2,653,000 | 2,434,000 |
| Securities held to maturity | 2,488,000 | 2,474,000 | 2,457,000 | 2,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,192,000 | 113,028,000 | 112,739,000 | 114,171,000 |
| Interest-bearing deposits | 102,978,000 | 105,066,000 | 103,429,000 | 11,573,000 |
| Noninterest-bearing deposits | 9,214,000 | 7,962,000 | 9,310,000 | 102,598,000 |
| Equity capital | 13,743,000 | 14,050,000 | 14,414,000 | 14,470,000 |
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 | 2,486,000 | 4,974,000 | 7,569,000 | 10,089,000 |
| Interest expense | 785,000 | 1,669,000 | 2,684,000 | 3,721,000 |
| Net interest income | 1,701,000 | 3,305,000 | 4,885,000 | 6,368,000 |
| Noninterest income | 184,000 | 263,000 | 452,000 | 476,000 |
| Noninterest expense | 899,000 | 1,968,000 | 2,919,000 | 4,104,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 700,000 |
| Pretax income | 836,000 | 1,300,000 | 1,918,000 | 2,040,000 |
| Income tax | 330,000 | 496,000 | 744,000 | 799,000 |
| Net income | 506,000 | 804,000 | 1,174,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,026,000 | 12,349,000 | 12,744,000 | 12,837,000 |
| Total capital | 13,564,000 | 13,921,000 | 14,319,000 | 14,357,000 |
| Risk-weighted assets | 122,648,000 | 125,200,000 | 125,603,000 | 121,111,000 |