Call reports 2004
FIRST AMERICAN BANK AND TRUST — 2004
What FIRST AMERICAN BANK AND TRUST 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 | 446,163,000 | 446,792,000 | 441,606,000 | 467,286,000 |
| Total loans | 261,688,000 | 270,205,000 | 276,690,000 | 285,173,000 |
| Allowance for loan losses | 4,027,000 | 4,292,000 | 4,489,000 | 4,673,000 |
| Securities available for sale | 123,721,000 | 128,269,000 | 122,545,000 | 126,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,507,000 | 401,344,000 | 393,001,000 | 418,912,000 |
| Interest-bearing deposits | 313,033,000 | 317,329,000 | 306,019,000 | 324,401,000 |
| Noninterest-bearing deposits | 85,474,000 | 84,015,000 | 86,982,000 | 94,511,000 |
| Equity capital | 43,393,000 | 41,894,000 | 44,847,000 | 44,468,000 |
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 | 5,498,000 | 10,956,000 | 16,606,000 | 22,439,000 |
| Interest expense | 861,000 | 1,741,000 | 2,728,000 | 3,789,000 |
| Net interest income | 4,637,000 | 9,215,000 | 13,878,000 | 18,650,000 |
| Noninterest income | 2,055,000 | 4,029,000 | 6,189,000 | 8,256,000 |
| Noninterest expense | 3,924,000 | 7,851,000 | 11,886,000 | 16,240,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,468,000 | 4,800,000 | 7,279,000 | 9,431,000 |
| Income tax | 776,000 | 1,499,000 | 2,267,000 | 2,932,000 |
| Net income | 1,692,000 | 3,301,000 | 5,012,000 | 6,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,294,000 | 42,349,000 | 43,018,000 | 43,152,000 |
| Total capital | 44,634,000 | 45,815,000 | 46,549,000 | 46,847,000 |
| Risk-weighted assets | 266,494,000 | 276,389,000 | 281,512,000 | 294,650,000 |