Call reports 2005
FIRSTIER BANK — 2005
What FIRSTIER 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 | 106,614,000 | 115,966,000 | 113,057,000 | 128,256,000 |
| Total loans | 88,332,000 | 75,470,000 | 89,205,000 | 95,565,000 |
| Allowance for loan losses | 998,000 | 1,092,000 | 1,184,000 | 1,332,000 |
| Securities available for sale | 7,052,000 | 5,564,000 | 5,678,000 | 7,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,637,000 | 98,584,000 | 95,067,000 | 101,970,000 |
| Interest-bearing deposits | 71,316,000 | 76,091,000 | 75,744,000 | 82,133,000 |
| Noninterest-bearing deposits | 18,320,000 | 22,493,000 | 19,323,000 | 19,837,000 |
| Equity capital | 10,561,000 | 10,962,000 | 11,482,000 | 17,882,000 |
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 | 1,658,000 | 3,462,000 | 5,472,000 | 7,689,000 |
| Interest expense | 451,000 | 999,000 | 1,602,000 | 2,303,000 |
| Net interest income | 1,207,000 | 2,463,000 | 3,870,000 | 5,386,000 |
| Noninterest income | 92,000 | 182,000 | 275,000 | 369,000 |
| Noninterest expense | 628,000 | 1,253,000 | 1,848,000 | 2,580,000 |
| Provision for loan losses | 90,000 | 180,000 | 290,000 | 440,000 |
| Pretax income | 581,000 | 1,212,000 | 2,007,000 | 2,735,000 |
| Income tax | 11,000 | 22,000 | 34,000 | 45,000 |
| Net income | 570,000 | 1,190,000 | 1,973,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,280,000 | 9,675,000 | 10,203,000 | 16,620,000 |
| Total capital | 10,278,000 | 10,708,000 | 11,387,000 | 17,952,000 |
| Risk-weighted assets | 92,956,000 | 82,547,000 | 94,960,000 | 107,499,000 |