Call reports 2005
FIRSTBANK - WEST BRANCH — 2005
What FIRSTBANK - WEST BRANCH 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 | 215,471,000 | 220,851,000 | 222,999,000 | 229,721,000 |
| Total loans | 189,599,000 | 193,055,000 | 198,219,000 | 203,257,000 |
| Allowance for loan losses | 2,091,000 | 2,094,000 | 2,123,000 | 2,121,000 |
| Securities available for sale | 12,397,000 | 13,198,000 | 12,355,000 | 12,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,512,000 | 172,092,000 | 175,724,000 | 178,399,000 |
| Interest-bearing deposits | 137,838,000 | 137,471,000 | 142,822,000 | 146,133,000 |
| Noninterest-bearing deposits | 31,674,000 | 34,621,000 | 32,902,000 | 32,266,000 |
| Equity capital | 17,254,000 | 17,282,000 | 16,909,000 | 17,242,000 |
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 | 3,272,000 | 6,632,000 | 10,242,000 | 13,954,000 |
| Interest expense | 950,000 | 2,036,000 | 3,216,000 | 4,531,000 |
| Net interest income | 2,322,000 | 4,596,000 | 7,026,000 | 9,423,000 |
| Noninterest income | 1,021,000 | 2,305,000 | 3,542,000 | 4,589,000 |
| Noninterest expense | 2,261,000 | 4,630,000 | 6,985,000 | 9,231,000 |
| Provision for loan losses | -40,000 | -27,000 | -14,000 | -2,000 |
| Pretax income | 1,122,000 | 2,298,000 | 3,597,000 | 4,783,000 |
| Income tax | 361,000 | 741,000 | 1,160,000 | 1,533,000 |
| Net income | 761,000 | 1,557,000 | 2,437,000 | 3,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,913,000 | 16,939,000 | 16,651,000 | 16,978,000 |
| Total capital | 19,004,000 | 19,033,000 | 18,774,000 | 19,099,000 |
| Risk-weighted assets | 167,304,000 | 172,509,000 | 177,443,000 | 182,166,000 |