Call reports 2005
FIRSTBANK OF SOUTH JEFFCO — 2005
What FIRSTBANK OF SOUTH JEFFCO 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 | 475,086,000 | 467,037,000 | 468,975,000 | 482,444,000 |
| Total loans | 104,402,000 | 108,859,000 | 109,258,000 | 117,111,000 |
| Allowance for loan losses | 874,000 | 1,018,000 | 982,000 | 1,132,000 |
| Securities available for sale | 262,736,000 | 246,612,000 | 230,457,000 | 221,558,000 |
| Securities held to maturity | 86,846,000 | 85,970,000 | 95,515,000 | 118,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,103,000 | 425,741,000 | 431,696,000 | 447,118,000 |
| Interest-bearing deposits | 346,514,000 | 334,754,000 | 335,504,000 | 345,119,000 |
| Noninterest-bearing deposits | 91,589,000 | 90,988,000 | 96,191,000 | 101,999,000 |
| Equity capital | 31,539,000 | 34,062,000 | 32,673,000 | 31,450,000 |
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 | 5,932,000 | 12,066,000 | 18,202,000 | 24,515,000 |
| Interest expense | 1,523,000 | 3,182,000 | 5,036,000 | 7,128,000 |
| Net interest income | 4,409,000 | 8,884,000 | 13,166,000 | 17,387,000 |
| Noninterest income | 1,498,000 | 3,099,000 | 4,795,000 | 6,394,000 |
| Noninterest expense | 2,644,000 | 5,092,000 | 7,699,000 | 10,134,000 |
| Provision for loan losses | 44,000 | 207,000 | 205,000 | 381,000 |
| Pretax income | 3,302,000 | 6,767,000 | 10,140,000 | 13,349,000 |
| Income tax | 913,000 | 1,907,000 | 2,872,000 | 3,777,000 |
| Net income | 2,389,000 | 4,860,000 | 7,268,000 | 9,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,885,000 | 30,154,000 | 30,362,000 | 30,367,000 |
| Total capital | 30,759,000 | 31,172,000 | 31,344,000 | 31,499,000 |
| Risk-weighted assets | 163,435,000 | 165,040,000 | 169,742,000 | 183,571,000 |