Call reports 2005
BANK 1ST — 2005
What BANK 1ST 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 | 84,110,000 | 84,879,000 | 83,142,000 | 83,787,000 |
| Total loans | 46,371,000 | 51,603,000 | 51,651,000 | 54,305,000 |
| Allowance for loan losses | 665,000 | 627,000 | 623,000 | 627,000 |
| Securities available for sale | 24,340,000 | 22,284,000 | 19,862,000 | 17,594,000 |
| Securities held to maturity | 3,502,000 | 4,611,000 | 4,513,000 | 4,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,387,000 | 71,607,000 | 68,142,000 | 69,851,000 |
| Interest-bearing deposits | 66,816,000 | 62,110,000 | 59,020,000 | 59,747,000 |
| Noninterest-bearing deposits | 9,571,000 | 9,497,000 | 9,122,000 | 10,104,000 |
| Equity capital | 7,420,000 | 7,610,000 | 7,579,000 | 7,618,000 |
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 | 953,000 | 1,956,000 | 3,025,000 | 4,131,000 |
| Interest expense | 322,000 | 674,000 | 1,067,000 | 1,459,000 |
| Net interest income | 631,000 | 1,282,000 | 1,958,000 | 2,672,000 |
| Noninterest income | 150,000 | 271,000 | 380,000 | 492,000 |
| Noninterest expense | 565,000 | 1,125,000 | 1,717,000 | 2,231,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 216,000 | 397,000 | 598,000 | 910,000 |
| Income tax | 11,000 | 20,000 | 30,000 | 45,000 |
| Net income | 205,000 | 377,000 | 568,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,830,000 | 7,815,000 | 7,886,000 | 7,940,000 |
| Total capital | 8,438,000 | 8,442,000 | 8,510,000 | 8,567,000 |
| Risk-weighted assets | 47,814,000 | 52,302,000 | 51,988,000 | 54,304,000 |