Call reports 2005
FIRST CENTURY BANK, NATIONAL ASSOCIATION — 2005
What FIRST CENTURY BANK, NATIONAL ASSOCIATION 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 | 43,198,000 | 42,596,000 | 43,018,000 | 37,765,000 |
| Total loans | 29,576,000 | 28,562,000 | 28,313,000 | 25,515,000 |
| Allowance for loan losses | 1,087,000 | 1,028,000 | 1,036,000 | 785,000 |
| Securities available for sale | 6,034,000 | 7,265,000 | 6,834,000 | 8,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,951,000 | 38,310,000 | 39,131,000 | 33,969,000 |
| Interest-bearing deposits | 35,793,000 | 35,178,000 | 35,963,000 | 31,102,000 |
| Noninterest-bearing deposits | 3,158,000 | 3,132,000 | 3,168,000 | 2,867,000 |
| Equity capital | 4,021,000 | 3,771,000 | 3,719,000 | 3,631,000 |
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 | 718,000 | 1,385,000 | 2,051,000 | 2,694,000 |
| Interest expense | 232,000 | 468,000 | 755,000 | 1,063,000 |
| Net interest income | 486,000 | 917,000 | 1,296,000 | 1,631,000 |
| Noninterest income | 20,000 | -84,000 | -127,000 | -99,000 |
| Noninterest expense | 649,000 | 1,252,000 | 1,792,000 | 2,351,000 |
| Provision for loan losses | 225,000 | 225,000 | 225,000 | 225,000 |
| Pretax income | -368,000 | -644,000 | -848,000 | -1,044,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -368,000 | -644,000 | -848,000 | -1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,091,000 | 3,815,000 | 3,783,000 | 3,745,000 |
| Total capital | 4,495,000 | 4,220,000 | 4,194,000 | 4,104,000 |
| Risk-weighted assets | 31,810,000 | 31,806,000 | 32,254,000 | 28,293,000 |