Call reports 2005
FIRST AMERICAN BANK AND TRUST — 2005
What FIRST AMERICAN BANK AND TRUST 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 | 484,525,000 | 487,790,000 | 536,221,000 | 610,633,000 |
| Total loans | 285,126,000 | 291,359,000 | 297,232,000 | 298,874,000 |
| Allowance for loan losses | 4,916,000 | 5,035,000 | 5,216,000 | 5,314,000 |
| Securities available for sale | 138,485,000 | 153,584,000 | 151,508,000 | 206,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,871,000 | 434,936,000 | 483,796,000 | 555,977,000 |
| Interest-bearing deposits | 338,809,000 | 337,949,000 | 364,011,000 | 403,434,000 |
| Noninterest-bearing deposits | 96,062,000 | 96,987,000 | 119,785,000 | 152,543,000 |
| Equity capital | 44,565,000 | 46,485,000 | 46,875,000 | 46,249,000 |
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 | 5,973,000 | 12,562,000 | 19,303,000 | 27,153,000 |
| Interest expense | 1,213,000 | 2,685,000 | 4,378,000 | 6,328,000 |
| Net interest income | 4,760,000 | 9,877,000 | 14,925,000 | 20,825,000 |
| Noninterest income | 2,046,000 | 4,017,000 | 5,820,000 | 7,588,000 |
| Noninterest expense | 4,012,000 | 8,239,000 | 12,364,000 | 16,974,000 |
| Provision for loan losses | 250,000 | 475,000 | 700,000 | 925,000 |
| Pretax income | 2,544,000 | 5,178,000 | 7,679,000 | 10,512,000 |
| Income tax | 807,000 | 1,639,000 | 2,428,000 | 3,265,000 |
| Net income | 1,737,000 | 3,539,000 | 5,251,000 | 7,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,336,000 | 45,584,000 | 46,744,000 | 47,059,000 |
| Total capital | 48,086,000 | 49,429,000 | 50,797,000 | 51,293,000 |
| Risk-weighted assets | 298,811,000 | 305,587,000 | 323,081,000 | 337,614,000 |