Call reports 2005
FIRST & PEOPLES BANK AND TRUST COMPANY — 2005
What FIRST & PEOPLES BANK AND TRUST COMPANY 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 | 195,913,000 | 191,464,000 | 185,503,000 | 184,475,000 |
| Total loans | 83,759,000 | 84,731,000 | 87,293,000 | 88,177,000 |
| Allowance for loan losses | 1,406,000 | 1,277,000 | 1,281,000 | 1,297,000 |
| Securities available for sale | 91,906,000 | 89,500,000 | 79,310,000 | 77,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,097,000 | 155,527,000 | 149,655,000 | 149,317,000 |
| Interest-bearing deposits | 135,645,000 | 129,819,000 | 123,571,000 | 123,065,000 |
| Noninterest-bearing deposits | 25,452,000 | 25,708,000 | 26,084,000 | 26,252,000 |
| Equity capital | 33,680,000 | 34,396,000 | 34,394,000 | 33,904,000 |
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 | 2,265,000 | 4,577,000 | 6,894,000 | 9,282,000 |
| Interest expense | 400,000 | 850,000 | 1,347,000 | 1,906,000 |
| Net interest income | 1,865,000 | 3,727,000 | 5,547,000 | 7,376,000 |
| Noninterest income | 301,000 | 583,000 | 868,000 | 1,143,000 |
| Noninterest expense | 1,680,000 | 3,259,000 | 4,833,000 | 6,272,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 365,000 |
| Pretax income | 396,000 | 897,000 | 1,336,000 | 1,909,000 |
| Income tax | 73,000 | 158,000 | 237,000 | 423,000 |
| Net income | 323,000 | 739,000 | 1,099,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,936,000 | 34,221,000 | 34,449,000 | 34,573,000 |
| Total capital | 35,136,000 | 35,408,000 | 35,633,000 | 35,764,000 |
| Risk-weighted assets | 95,796,000 | 94,888,000 | 94,615,000 | 95,207,000 |