Call reports 2005
FIRST BANK AND TRUST COMPANY, THE — 2005
What FIRST BANK AND TRUST COMPANY, THE 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 | 687,478,000 | 710,906,000 | 739,034,000 | 792,613,000 |
| Total loans | 542,960,000 | 590,518,000 | 617,145,000 | 645,690,000 |
| Allowance for loan losses | 5,765,000 | 5,930,000 | 6,070,000 | 6,133,000 |
| Securities available for sale | 47,161,000 | 41,759,000 | 36,588,000 | 39,635,000 |
| Securities held to maturity | 17,970,000 | 17,935,000 | 22,909,000 | 22,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 577,036,000 | 580,012,000 | 603,830,000 | 656,013,000 |
| Interest-bearing deposits | 461,152,000 | 461,839,000 | 488,969,000 | 532,220,000 |
| Noninterest-bearing deposits | 115,884,000 | 118,173,000 | 114,861,000 | 123,793,000 |
| Equity capital | 49,445,000 | 52,167,000 | 58,528,000 | 61,291,000 |
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 | 9,417,000 | 19,418,000 | 30,287,000 | 42,263,000 |
| Interest expense | 2,897,000 | 6,133,000 | 10,085,000 | 14,618,000 |
| Net interest income | 6,520,000 | 13,285,000 | 20,202,000 | 27,645,000 |
| Noninterest income | 2,191,000 | 4,431,000 | 6,752,000 | 8,815,000 |
| Noninterest expense | 4,564,000 | 9,487,000 | 14,326,000 | 19,431,000 |
| Provision for loan losses | 339,000 | 696,000 | 1,008,000 | 1,276,000 |
| Pretax income | 3,808,000 | 7,522,000 | 11,609,000 | 15,742,000 |
| Income tax | 1,173,000 | 2,328,000 | 3,606,000 | 4,899,000 |
| Net income | 2,635,000 | 5,194,000 | 8,003,000 | 10,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,694,000 | 50,223,000 | 56,737,000 | 59,615,000 |
| Total capital | 53,459,000 | 56,153,000 | 62,807,000 | 65,748,000 |
| Risk-weighted assets | 524,057,000 | 560,225,000 | 594,801,000 | 634,197,000 |