Call reports 2005
FIRST AMERICAN INTERNATIONAL BANK — 2005
What FIRST AMERICAN INTERNATIONAL 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 | 222,182,000 | 248,246,000 | 265,621,000 | 308,026,000 |
| Total loans | 134,503,000 | 155,908,000 | 172,978,000 | 186,395,000 |
| Allowance for loan losses | 536,000 | 676,000 | 861,000 | 1,087,000 |
| Securities available for sale | 0 | 0 | 9,480,000 | 10,493,000 |
| Securities held to maturity | 26,227,000 | 37,231,000 | 38,463,000 | 39,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,511,000 | 217,820,000 | 234,023,000 | 261,238,000 |
| Interest-bearing deposits | 158,049,000 | 182,133,000 | 194,104,000 | 217,239,000 |
| Noninterest-bearing deposits | 36,462,000 | 35,687,000 | 39,919,000 | 43,999,000 |
| Equity capital | 17,250,000 | 19,785,000 | 20,164,000 | 35,115,000 |
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 | 2,749,000 | 6,131,000 | 9,923,000 | 14,256,000 |
| Interest expense | 760,000 | 1,821,000 | 3,123,000 | 4,789,000 |
| Net interest income | 1,989,000 | 4,310,000 | 6,800,000 | 9,467,000 |
| Noninterest income | 537,000 | 1,067,000 | 2,128,000 | 2,729,000 |
| Noninterest expense | 2,002,000 | 4,187,000 | 6,720,000 | 9,384,000 |
| Provision for loan losses | 60,000 | 200,000 | 385,000 | 610,000 |
| Pretax income | 464,000 | 990,000 | 1,823,000 | 2,202,000 |
| Income tax | 240,000 | 546,000 | 1,000,000 | 1,278,000 |
| Net income | 224,000 | 444,000 | 823,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,243,000 | 19,776,000 | 20,264,000 | 35,140,000 |
| Total capital | 17,779,000 | 20,452,000 | 21,125,000 | 36,227,000 |
| Risk-weighted assets | 158,638,000 | 183,341,000 | 198,218,000 | 235,996,000 |