Call reports 2004
FIRST BANK AND TRUST — 2004
What FIRST BANK AND TRUST 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 | 65,929,000 | 63,499,000 | 66,914,000 | 64,136,000 |
| Total loans | 48,464,000 | 48,104,000 | 49,373,000 | 50,140,000 |
| Allowance for loan losses | 592,000 | 606,000 | 606,000 | 620,000 |
| Securities available for sale | 9,239,000 | 8,964,000 | 7,959,000 | 7,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,475,000 | 56,999,000 | 60,203,000 | 57,807,000 |
| Interest-bearing deposits | 51,159,000 | 48,171,000 | 50,920,000 | 49,186,000 |
| Noninterest-bearing deposits | 8,316,000 | 8,828,000 | 9,283,000 | 8,621,000 |
| Equity capital | 6,332,000 | 6,292,000 | 6,447,000 | 6,244,000 |
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 | 813,000 | 1,683,000 | 2,499,000 | 3,345,000 |
| Interest expense | 122,000 | 239,000 | 360,000 | 505,000 |
| Net interest income | 691,000 | 1,444,000 | 2,139,000 | 2,840,000 |
| Noninterest income | 82,000 | 149,000 | 211,000 | 279,000 |
| Noninterest expense | 471,000 | 939,000 | 1,397,000 | 1,879,000 |
| Provision for loan losses | 31,000 | 31,000 | 31,000 | 31,000 |
| Pretax income | 271,000 | 623,000 | 922,000 | 1,209,000 |
| Income tax | 12,000 | 29,000 | 47,000 | 61,000 |
| Net income | 259,000 | 594,000 | 875,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,120,000 | 6,215,000 | 6,376,000 | 6,230,000 |
| Total capital | 6,687,000 | 6,772,000 | 6,957,000 | 6,819,000 |
| Risk-weighted assets | 45,310,000 | 44,501,000 | 46,483,000 | 47,069,000 |