Call reports 2005
FIRST NATIONAL BANK OF COLORADO — 2005
What FIRST NATIONAL BANK OF COLORADO 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 | 646,865,000 | 649,696,000 | 661,077,000 | 666,515,000 |
| Total loans | 534,927,000 | 561,025,000 | 554,866,000 | 547,453,000 |
| Allowance for loan losses | 5,454,000 | 5,956,000 | 6,476,000 | 5,873,000 |
| Securities available for sale | 28,000 | 26,000 | 25,000 | 24,000 |
| Securities held to maturity | 38,883,000 | 33,093,000 | 31,891,000 | 30,783,000 |
| Trading assets | 13,786,000 | 12,879,000 | 13,804,000 | 16,466,000 |
| Total deposits | 579,194,000 | 573,423,000 | 590,218,000 | 595,432,000 |
| Interest-bearing deposits | 468,250,000 | 466,227,000 | 459,581,000 | 477,354,000 |
| Noninterest-bearing deposits | 110,944,000 | 107,196,000 | 130,637,000 | 118,078,000 |
| Equity capital | 61,681,000 | 62,063,000 | 63,586,000 | 63,947,000 |
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 | 9,654,000 | 19,969,000 | 30,550,000 | 42,372,000 |
| Interest expense | 1,959,000 | 4,436,000 | 7,058,000 | 10,073,000 |
| Net interest income | 7,695,000 | 15,533,000 | 23,492,000 | 32,299,000 |
| Noninterest income | 1,626,000 | 3,111,000 | 4,802,000 | 4,696,000 |
| Noninterest expense | 6,932,000 | 13,752,000 | 20,905,000 | 28,133,000 |
| Provision for loan losses | 1,822,000 | 3,699,000 | 5,341,000 | 6,218,000 |
| Pretax income | 567,000 | 1,193,000 | 2,048,000 | 2,644,000 |
| Income tax | 225,000 | 469,000 | 800,000 | 1,036,000 |
| Net income | 342,000 | 724,000 | 1,248,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,377,000 | 53,759,000 | 55,282,000 | 55,643,000 |
| Total capital | 58,950,000 | 59,839,000 | 61,882,000 | 61,641,000 |
| Risk-weighted assets | 565,086,000 | 580,712,000 | 592,271,000 | 598,597,000 |