Call reports 2004
FIRST BANK AND TRUST COMPANY, THE — 2004
What FIRST BANK AND TRUST COMPANY, 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 | 609,948,000 | 599,887,000 | 626,636,000 | 663,416,000 |
| Total loans | 461,539,000 | 476,440,000 | 506,436,000 | 528,154,000 |
| Allowance for loan losses | 5,344,000 | 5,465,000 | 5,601,000 | 5,628,000 |
| Securities available for sale | 68,427,000 | 57,250,000 | 54,696,000 | 44,359,000 |
| Securities held to maturity | 2,200,000 | 7,200,000 | 7,200,000 | 18,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,009,000 | 517,847,000 | 531,634,000 | 562,231,000 |
| Interest-bearing deposits | 433,970,000 | 422,483,000 | 427,410,000 | 457,107,000 |
| Noninterest-bearing deposits | 95,039,000 | 95,364,000 | 104,224,000 | 105,125,000 |
| Equity capital | 42,551,000 | 43,342,000 | 44,835,000 | 47,241,000 |
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 | 7,899,000 | 15,739,000 | 23,925,000 | 32,624,000 |
| Interest expense | 2,256,000 | 4,442,000 | 6,730,000 | 9,433,000 |
| Net interest income | 5,643,000 | 11,297,000 | 17,195,000 | 23,191,000 |
| Noninterest income | 1,307,000 | 2,880,000 | 4,225,000 | 5,886,000 |
| Noninterest expense | 4,147,000 | 8,188,000 | 12,310,000 | 16,570,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 810,000 |
| Pretax income | 2,607,000 | 5,823,000 | 8,750,000 | 11,866,000 |
| Income tax | 728,000 | 1,702,000 | 2,738,000 | 3,822,000 |
| Net income | 1,879,000 | 4,121,000 | 6,012,000 | 8,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,770,000 | 41,569,000 | 42,653,000 | 45,201,000 |
| Total capital | 45,114,000 | 47,034,000 | 48,254,000 | 50,829,000 |
| Risk-weighted assets | 440,217,000 | 459,459,000 | 480,349,000 | 507,617,000 |