Call reports 2005
FIRST IC BANK — 2005
What FIRST IC 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 | 102,817,000 | 111,305,000 | 118,754,000 | 131,874,000 |
| Total loans | 71,194,000 | 81,031,000 | 93,640,000 | 95,833,000 |
| Allowance for loan losses | 679,000 | 869,000 | 941,000 | 1,215,000 |
| Securities available for sale | 4,180,000 | 3,989,000 | 3,743,000 | 3,531,000 |
| Securities held to maturity | 5,609,000 | 5,569,000 | 5,526,000 | 5,456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,587,000 | 98,817,000 | 105,781,000 | 117,389,000 |
| Interest-bearing deposits | 68,672,000 | 71,883,000 | 76,142,000 | 87,202,000 |
| Noninterest-bearing deposits | 25,915,000 | 26,934,000 | 29,639,000 | 30,187,000 |
| Equity capital | 7,776,000 | 11,956,000 | 12,367,000 | 12,873,000 |
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 | 1,379,000 | 2,991,000 | 4,989,000 | 7,624,000 |
| Interest expense | 416,000 | 860,000 | 1,389,000 | 2,090,000 |
| Net interest income | 963,000 | 2,131,000 | 3,600,000 | 5,534,000 |
| Noninterest income | 243,000 | 484,000 | 732,000 | 1,000,000 |
| Noninterest expense | 916,000 | 1,885,000 | 2,821,000 | 3,854,000 |
| Provision for loan losses | 74,000 | 263,000 | 346,000 | 638,000 |
| Pretax income | 216,000 | 467,000 | 1,165,000 | 2,042,000 |
| Income tax | 77,000 | 177,000 | 443,000 | 737,000 |
| Net income | 139,000 | 290,000 | 722,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 12,024,000 | 12,442,000 | 12,997,000 |
| Total capital | 8,545,000 | 12,893,000 | 13,383,000 | 14,212,000 |
| Risk-weighted assets | 79,828,000 | 89,453,000 | 101,320,000 | 107,114,000 |