Call reports 2005
FIRST BANK AND TRUST — 2005
What FIRST BANK AND TRUST 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 | 65,524,000 | 65,214,000 | 73,162,000 | 67,268,000 |
| Total loans | 51,875,000 | 55,506,000 | 56,006,000 | 55,347,000 |
| Allowance for loan losses | 620,000 | 608,000 | 621,000 | 612,000 |
| Securities available for sale | 7,346,000 | 3,239,000 | 2,232,000 | 2,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,290,000 | 58,979,000 | 66,697,000 | 60,802,000 |
| Interest-bearing deposits | 51,453,000 | 48,856,000 | 57,931,000 | 51,630,000 |
| Noninterest-bearing deposits | 7,837,000 | 10,123,000 | 8,766,000 | 9,172,000 |
| Equity capital | 6,043,000 | 5,988,000 | 6,126,000 | 6,324,000 |
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 | 820,000 | 1,684,000 | 2,586,000 | 3,523,000 |
| Interest expense | 174,000 | 407,000 | 673,000 | 966,000 |
| Net interest income | 646,000 | 1,277,000 | 1,913,000 | 2,557,000 |
| Noninterest income | 70,000 | 129,000 | 191,000 | 263,000 |
| Noninterest expense | 490,000 | 1,024,000 | 1,568,000 | 2,033,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 381,000 | 535,000 | 786,000 |
| Income tax | 21,000 | 33,000 | 42,000 | 45,000 |
| Net income | 205,000 | 348,000 | 493,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,085,000 | 6,007,000 | 6,152,000 | 6,351,000 |
| Total capital | 6,681,000 | 6,615,000 | 6,773,000 | 6,963,000 |
| Risk-weighted assets | 47,628,000 | 50,301,000 | 52,796,000 | 51,778,000 |
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