Call reports 2005
FIRST AMERICAN BANK — 2005
What FIRST AMERICAN 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 | 128,290,000 | 121,369,000 | 119,373,000 | 123,124,000 |
| Total loans | 85,082,000 | 84,618,000 | 81,841,000 | 78,330,000 |
| Allowance for loan losses | 1,822,000 | 1,857,000 | 1,532,000 | 1,525,000 |
| Securities available for sale | 14,888,000 | 13,598,000 | 13,283,000 | 14,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,427,000 | 75,029,000 | 74,803,000 | 76,446,000 |
| Interest-bearing deposits | 60,906,000 | 60,703,000 | 61,806,000 | 61,589,000 |
| Noninterest-bearing deposits | 12,521,000 | 14,326,000 | 12,997,000 | 14,857,000 |
| Equity capital | 14,900,000 | 15,052,000 | 15,400,000 | 15,645,000 |
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 | 1,617,000 | 3,222,000 | 4,862,000 | 6,500,000 |
| Interest expense | 789,000 | 1,441,000 | 2,116,000 | 2,827,000 |
| Net interest income | 828,000 | 1,781,000 | 2,746,000 | 3,673,000 |
| Noninterest income | 705,000 | 985,000 | 1,639,000 | 2,167,000 |
| Noninterest expense | 1,033,000 | 2,024,000 | 3,003,000 | 3,974,000 |
| Provision for loan losses | 40,000 | 160,000 | 280,000 | 325,000 |
| Pretax income | 460,000 | 582,000 | 1,102,000 | 1,541,000 |
| Income tax | 148,000 | 164,000 | 337,000 | 485,000 |
| Net income | 312,000 | 418,000 | 765,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,837,000 | 13,833,000 | 14,240,000 | 14,781,000 |
| Total capital | 14,974,000 | 14,963,000 | 15,353,000 | 15,897,000 |
| Risk-weighted assets | 90,273,000 | 89,707,000 | 88,582,000 | 88,849,000 |