Call reports 2004
FIRST BANK & TRUST COMPANY — 2004
What FIRST BANK & TRUST COMPANY 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 | 98,591,000 | 92,067,000 | 97,997,000 | 99,918,000 |
| Total loans | 49,241,000 | 47,656,000 | 48,918,000 | 52,338,000 |
| Allowance for loan losses | 733,000 | 665,000 | 601,000 | 653,000 |
| Securities available for sale | 42,685,000 | 38,535,000 | 40,517,000 | 38,605,000 |
| Securities held to maturity | 1,378,000 | 1,252,000 | 2,423,000 | 2,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,935,000 | 78,573,000 | 84,781,000 | 87,434,000 |
| Interest-bearing deposits | 75,513,000 | 66,608,000 | 73,331,000 | 73,901,000 |
| Noninterest-bearing deposits | 10,422,000 | 11,965,000 | 11,450,000 | 13,533,000 |
| Equity capital | 12,152,000 | 11,607,000 | 12,135,000 | 11,934,000 |
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 | 1,226,000 | 2,424,000 | 3,645,000 | 4,933,000 |
| Interest expense | 274,000 | 527,000 | 794,000 | 1,076,000 |
| Net interest income | 952,000 | 1,897,000 | 2,851,000 | 3,857,000 |
| Noninterest income | 220,000 | 442,000 | 703,000 | 893,000 |
| Noninterest expense | 741,000 | 1,468,000 | 2,172,000 | 2,935,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 320,000 | 661,000 | 1,067,000 | 1,395,000 |
| Income tax | 89,000 | 182,000 | 294,000 | 373,000 |
| Net income | 231,000 | 479,000 | 773,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,734,000 | 11,726,000 | 12,020,000 | 11,933,000 |
| Total capital | 12,467,000 | 12,391,000 | 12,621,000 | 12,586,000 |
| Risk-weighted assets | 71,796,000 | 68,397,000 | 70,082,000 | 72,428,000 |