Call reports 2005
FBT BANK & MORTGAGE — 2005
What FBT BANK & MORTGAGE 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 | 91,693,000 | 94,752,000 | 95,527,000 | 98,435,000 |
| Total loans | 60,869,000 | 63,856,000 | 66,871,000 | 66,448,000 |
| Allowance for loan losses | 885,000 | 898,000 | 901,000 | 1,171,000 |
| Securities available for sale | 18,577,000 | 18,071,000 | 17,505,000 | 17,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,545,000 | 78,363,000 | 78,991,000 | 82,264,000 |
| Interest-bearing deposits | 60,982,000 | 62,165,000 | 63,293,000 | 66,579,000 |
| Noninterest-bearing deposits | 14,564,000 | 16,198,000 | 15,698,000 | 15,685,000 |
| Equity capital | 7,794,000 | 8,162,000 | 8,438,000 | 8,092,000 |
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 | 1,314,000 | 2,702,000 | 4,123,000 | 5,629,000 |
| Interest expense | 374,000 | 775,000 | 1,219,000 | 1,719,000 |
| Net interest income | 940,000 | 1,927,000 | 2,904,000 | 3,910,000 |
| Noninterest income | 215,000 | 427,000 | 648,000 | 893,000 |
| Noninterest expense | 783,000 | 1,600,000 | 2,425,000 | 3,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 372,000 | 755,000 | 1,128,000 | 1,219,000 |
| Income tax | 98,000 | 203,000 | 307,000 | 398,000 |
| Net income | 274,000 | 552,000 | 821,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,939,000 | 8,217,000 | 8,486,000 | 8,186,000 |
| Total capital | 8,660,000 | 8,963,000 | 9,258,000 | 8,999,000 |
| Risk-weighted assets | 57,502,000 | 59,508,000 | 61,621,000 | 64,677,000 |