Call reports 2005
FIRSTBANK OF LAKEWOOD — 2005
What FIRSTBANK OF LAKEWOOD 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 | 270,341,000 | 279,863,000 | 283,853,000 | 276,711,000 |
| Total loans | 45,845,000 | 46,421,000 | 47,844,000 | 52,663,000 |
| Allowance for loan losses | 533,000 | 500,000 | 490,000 | 625,000 |
| Securities available for sale | 147,440,000 | 137,329,000 | 130,762,000 | 125,710,000 |
| Securities held to maturity | 55,415,000 | 55,147,000 | 75,693,000 | 83,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,148,000 | 254,308,000 | 261,658,000 | 251,462,000 |
| Interest-bearing deposits | 184,986,000 | 182,674,000 | 191,600,000 | 191,846,000 |
| Noninterest-bearing deposits | 63,163,000 | 71,635,000 | 70,058,000 | 59,615,000 |
| Equity capital | 18,114,000 | 20,169,000 | 19,672,000 | 19,404,000 |
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 | 3,277,000 | 6,674,000 | 10,316,000 | 13,982,000 |
| Interest expense | 788,000 | 1,683,000 | 2,742,000 | 3,988,000 |
| Net interest income | 2,489,000 | 4,991,000 | 7,574,000 | 9,994,000 |
| Noninterest income | 859,000 | 1,767,000 | 2,740,000 | 3,660,000 |
| Noninterest expense | 1,530,000 | 3,049,000 | 4,633,000 | 6,205,000 |
| Provision for loan losses | 38,000 | 11,000 | 20,000 | 189,000 |
| Pretax income | 1,850,000 | 3,768,000 | 5,731,000 | 7,330,000 |
| Income tax | 442,000 | 918,000 | 1,412,000 | 1,786,000 |
| Net income | 1,408,000 | 2,850,000 | 4,319,000 | 5,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,933,000 | 17,876,000 | 18,344,000 | 18,468,000 |
| Total capital | 17,466,000 | 18,376,000 | 18,834,000 | 19,093,000 |
| Risk-weighted assets | 89,945,000 | 93,693,000 | 100,052,000 | 103,007,000 |