Call reports 2005
FIRST BANK ELK RIVER — 2005
What FIRST BANK ELK RIVER 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 | 360,258,000 | 343,734,000 | 337,001,000 | 350,904,000 |
| Total loans | 199,797,000 | 193,163,000 | 178,325,000 | 173,440,000 |
| Allowance for loan losses | 2,885,000 | 2,903,000 | 2,581,000 | 3,191,000 |
| Securities available for sale | 86,558,000 | 72,829,000 | 76,659,000 | 68,777,000 |
| Securities held to maturity | 48,510,000 | 48,486,000 | 48,424,000 | 48,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,166,000 | 267,784,000 | 261,612,000 | 271,122,000 |
| Interest-bearing deposits | 248,752,000 | 229,973,000 | 219,905,000 | 229,153,000 |
| Noninterest-bearing deposits | 36,414,000 | 37,811,000 | 41,707,000 | 41,969,000 |
| Equity capital | 35,971,000 | 37,897,000 | 38,648,000 | 38,701,000 |
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 | 4,770,000 | 9,597,000 | 14,291,000 | 19,170,000 |
| Interest expense | 1,687,000 | 3,360,000 | 4,999,000 | 6,897,000 |
| Net interest income | 3,083,000 | 6,237,000 | 9,292,000 | 12,273,000 |
| Noninterest income | 1,374,000 | 2,768,000 | 4,212,000 | 5,368,000 |
| Noninterest expense | 3,505,000 | 6,956,000 | 10,334,000 | 13,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,027,000 | 2,073,000 | 3,194,000 | 4,160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,027,000 | 2,073,000 | 3,194,000 | 4,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,627,000 | 38,543,000 | 39,642,000 | 40,482,000 |
| Total capital | 40,512,000 | 41,446,000 | 42,223,000 | 43,331,000 |
| Risk-weighted assets | 252,026,000 | 243,469,000 | 230,812,000 | 227,446,000 |