Call reports 2005
1ST COLONIAL COMMUNITY BANK — 2005
What 1ST COLONIAL COMMUNITY 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 | 150,550,000 | 158,609,000 | 172,073,000 | 164,853,000 |
| Total loans | 81,864,000 | 84,842,000 | 86,520,000 | 93,209,000 |
| Allowance for loan losses | 1,046,000 | 1,076,000 | 1,101,000 | 1,154,000 |
| Securities available for sale | 34,722,000 | 39,907,000 | 38,466,000 | 37,436,000 |
| Securities held to maturity | 14,047,000 | 15,092,000 | 16,860,000 | 22,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,261,000 | 133,791,000 | 148,796,000 | 137,456,000 |
| Interest-bearing deposits | 97,491,000 | 95,729,000 | 115,183,000 | 105,639,000 |
| Noninterest-bearing deposits | 32,770,000 | 38,062,000 | 33,613,000 | 31,817,000 |
| Equity capital | 16,060,000 | 16,388,000 | 16,423,000 | 16,522,000 |
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 | 1,593,000 | 3,301,000 | 5,220,000 | 7,337,000 |
| Interest expense | 487,000 | 1,043,000 | 1,788,000 | 2,691,000 |
| Net interest income | 1,106,000 | 2,258,000 | 3,432,000 | 4,646,000 |
| Noninterest income | 84,000 | 167,000 | 289,000 | 423,000 |
| Noninterest expense | 810,000 | 1,695,000 | 2,670,000 | 3,799,000 |
| Provision for loan losses | 75,000 | 105,000 | 130,000 | 228,000 |
| Pretax income | 305,000 | 625,000 | 921,000 | 1,042,000 |
| Income tax | 119,000 | 240,000 | 335,000 | 309,000 |
| Net income | 186,000 | 385,000 | 586,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,396,000 | 16,594,000 | 16,796,000 | 16,943,000 |
| Total capital | 17,442,000 | 17,670,000 | 17,897,000 | 18,097,000 |
| Risk-weighted assets | 91,155,000 | 95,692,000 | 103,900,000 | 107,306,000 |
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