Call reports 2004
FIRST BANK, THE — 2004
What FIRST BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 175,654,000 | 180,302,000 | 197,943,000 | 211,098,000 |
| Total loans | 129,261,000 | 140,782,000 | 154,468,000 | 164,146,000 |
| Allowance for loan losses | 1,252,000 | 1,356,000 | 1,503,000 | 1,658,000 |
| Securities available for sale | 22,961,000 | 19,610,000 | 22,786,000 | 26,351,000 |
| Securities held to maturity | 15,000 | 15,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,979,000 | 134,590,000 | 145,456,000 | 161,189,000 |
| Interest-bearing deposits | 108,386,000 | 109,933,000 | 108,863,000 | 130,767,000 |
| Noninterest-bearing deposits | 24,593,000 | 24,657,000 | 36,593,000 | 30,422,000 |
| Equity capital | 17,310,000 | 17,446,000 | 17,880,000 | 18,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,481,000 | 5,090,000 | 7,894,000 | 11,000,000 |
| Interest expense | 673,000 | 1,356,000 | 2,087,000 | 2,965,000 |
| Net interest income | 1,808,000 | 3,734,000 | 5,807,000 | 8,035,000 |
| Noninterest income | 430,000 | 912,000 | 1,346,000 | 1,815,000 |
| Noninterest expense | 1,684,000 | 3,384,000 | 5,166,000 | 7,111,000 |
| Provision for loan losses | 134,000 | 288,000 | 501,000 | 672,000 |
| Pretax income | 411,000 | 970,000 | 1,479,000 | 2,062,000 |
| Income tax | 143,000 | 331,000 | 509,000 | 701,000 |
| Net income | 268,000 | 639,000 | 970,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,173,000 | 17,500,000 | 17,831,000 | 18,222,000 |
| Total capital | 18,425,000 | 18,856,000 | 19,334,000 | 19,880,000 |
| Risk-weighted assets | 135,064,000 | 142,052,000 | 152,938,000 | 161,422,000 |