Call reports 2005
FIRST BANK — 2005
What FIRST BANK 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 | 158,019,000 | 164,105,000 | 167,706,000 | 164,629,000 |
| Total loans | 89,074,000 | 89,877,000 | 88,679,000 | 89,090,000 |
| Allowance for loan losses | 1,156,000 | 1,152,000 | 1,119,000 | 1,199,000 |
| Securities available for sale | 43,360,000 | 52,320,000 | 57,512,000 | 54,844,000 |
| Securities held to maturity | 2,741,000 | 2,506,000 | 2,229,000 | 1,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,883,000 | 144,510,000 | 144,929,000 | 143,689,000 |
| Interest-bearing deposits | 105,347,000 | 104,548,000 | 106,119,000 | 106,613,000 |
| Noninterest-bearing deposits | 34,536,000 | 39,962,000 | 38,810,000 | 37,076,000 |
| Equity capital | 17,113,000 | 17,839,000 | 18,281,000 | 18,658,000 |
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 | 2,214,000 | 4,584,000 | 7,031,000 | 9,606,000 |
| Interest expense | 301,000 | 618,000 | 1,032,000 | 1,515,000 |
| Net interest income | 1,913,000 | 3,966,000 | 5,999,000 | 8,091,000 |
| Noninterest income | 695,000 | 1,316,000 | 1,959,000 | 2,574,000 |
| Noninterest expense | 1,541,000 | 3,218,000 | 4,869,000 | 6,651,000 |
| Provision for loan losses | 87,000 | 107,000 | 107,000 | 247,000 |
| Pretax income | 980,000 | 1,945,000 | 2,970,000 | 3,755,000 |
| Income tax | 261,000 | 518,000 | 795,000 | 993,000 |
| Net income | 719,000 | 1,427,000 | 2,175,000 | 2,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,517,000 | 16,969,000 | 17,520,000 | 18,244,000 |
| Total capital | 17,673,000 | 18,121,000 | 18,639,000 | 19,443,000 |
| Risk-weighted assets | 120,828,000 | 122,772,000 | 105,248,000 | 111,095,000 |