Call reports 2005
FIRSTBANK OF TECH CENTER — 2005
What FIRSTBANK OF TECH CENTER 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 | 406,667,000 | 401,626,000 | 410,998,000 | 414,875,000 |
| Total loans | 96,617,000 | 101,105,000 | 100,136,000 | 99,046,000 |
| Allowance for loan losses | 1,103,000 | 976,000 | 1,034,000 | 994,000 |
| Securities available for sale | 210,526,000 | 208,379,000 | 190,799,000 | 183,293,000 |
| Securities held to maturity | 61,824,000 | 61,268,000 | 71,850,000 | 90,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,723,000 | 359,463,000 | 379,496,000 | 384,608,000 |
| Interest-bearing deposits | 288,697,000 | 277,070,000 | 294,718,000 | 295,088,000 |
| Noninterest-bearing deposits | 82,026,000 | 82,392,000 | 84,777,000 | 89,520,000 |
| Equity capital | 24,889,000 | 28,497,000 | 27,521,000 | 26,849,000 |
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 | 4,855,000 | 9,997,000 | 15,205,000 | 20,580,000 |
| Interest expense | 1,200,000 | 2,688,000 | 4,385,000 | 6,344,000 |
| Net interest income | 3,655,000 | 7,309,000 | 10,820,000 | 14,236,000 |
| Noninterest income | 615,000 | 1,244,000 | 1,900,000 | 2,517,000 |
| Noninterest expense | 1,500,000 | 3,002,000 | 4,553,000 | 6,082,000 |
| Provision for loan losses | 106,000 | -5,000 | 66,000 | 57,000 |
| Pretax income | 2,734,000 | 5,626,000 | 8,171,000 | 10,684,000 |
| Income tax | 755,000 | 1,571,000 | 2,259,000 | 2,951,000 |
| Net income | 1,979,000 | 4,055,000 | 5,912,000 | 7,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,489,000 | 25,264,000 | 25,621,000 | 25,942,000 |
| Total capital | 24,592,000 | 26,240,000 | 26,655,000 | 26,936,000 |
| Risk-weighted assets | 160,592,000 | 164,864,000 | 169,317,000 | 168,318,000 |