Call reports 2005
FIRST PERSONAL BANK — 2005
What FIRST PERSONAL 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 | 153,489,000 | 156,933,000 | 171,944,000 | 173,597,000 |
| Total loans | 106,652,000 | 115,396,000 | 124,576,000 | 131,984,000 |
| Allowance for loan losses | 1,495,000 | 1,165,000 | 1,363,000 | 1,590,000 |
| Securities available for sale | 30,199,000 | 17,998,000 | 16,378,000 | 17,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,818,000 | 131,585,000 | 146,428,000 | 147,876,000 |
| Interest-bearing deposits | 116,910,000 | 122,452,000 | 137,797,000 | 136,217,000 |
| Noninterest-bearing deposits | 8,908,000 | 9,133,000 | 8,631,000 | 11,659,000 |
| Equity capital | 11,577,000 | 12,006,000 | 12,158,000 | 12,068,000 |
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 | 2,157,000 | 4,588,000 | 6,973,000 | 9,682,000 |
| Interest expense | 714,000 | 1,532,000 | 2,435,000 | 3,519,000 |
| Net interest income | 1,443,000 | 3,056,000 | 4,538,000 | 6,163,000 |
| Noninterest income | 139,000 | 421,000 | 592,000 | 712,000 |
| Noninterest expense | 983,000 | 2,121,000 | 3,240,000 | 4,427,000 |
| Provision for loan losses | 140,000 | 360,000 | 560,000 | 1,154,000 |
| Pretax income | 459,000 | 837,000 | 1,171,000 | 1,135,000 |
| Income tax | 145,000 | 306,000 | 433,000 | 391,000 |
| Net income | 314,000 | 531,000 | 738,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,796,000 | 12,014,000 | 12,289,000 | 12,228,000 |
| Total capital | 13,251,000 | 13,179,000 | 13,652,000 | 13,818,000 |
| Risk-weighted assets | 116,320,000 | 121,586,000 | 129,741,000 | 136,761,000 |
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