Call reports 2005
FIRST BANK & TRUST COMPANY — 2005
What FIRST BANK & TRUST COMPANY 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 | 98,953,000 | 97,258,000 | 100,148,000 | 106,878,000 |
| Total loans | 52,885,000 | 52,595,000 | 52,601,000 | 56,376,000 |
| Allowance for loan losses | 721,000 | 693,000 | 789,000 | 818,000 |
| Securities available for sale | 39,330,000 | 37,819,000 | 39,252,000 | 39,154,000 |
| Securities held to maturity | 2,291,000 | 1,934,000 | 1,693,000 | 1,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,906,000 | 83,942,000 | 87,564,000 | 94,253,000 |
| Interest-bearing deposits | 74,971,000 | 67,811,000 | 72,486,000 | 78,699,000 |
| Noninterest-bearing deposits | 10,935,000 | 16,131,000 | 15,078,000 | 15,554,000 |
| Equity capital | 11,883,000 | 12,085,000 | 12,272,000 | 12,034,000 |
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 | 1,286,000 | 2,638,000 | 4,066,000 | 5,561,000 |
| Interest expense | 300,000 | 664,000 | 1,057,000 | 1,524,000 |
| Net interest income | 986,000 | 1,974,000 | 3,009,000 | 4,037,000 |
| Noninterest income | 154,000 | 353,000 | 603,000 | 783,000 |
| Noninterest expense | 750,000 | 1,506,000 | 2,221,000 | 2,989,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 350,000 |
| Pretax income | 285,000 | 611,000 | 1,076,000 | 1,481,000 |
| Income tax | 44,000 | 140,000 | 273,000 | 421,000 |
| Net income | 241,000 | 471,000 | 803,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,174,000 | 12,149,000 | 12,481,000 | 12,386,000 |
| Total capital | 12,895,000 | 12,842,000 | 13,270,000 | 13,204,000 |
| Risk-weighted assets | 72,384,000 | 70,784,000 | 71,198,000 | 73,984,000 |