Call reports 2005
FIRST BANK OF WHITE — 2005
What FIRST BANK OF WHITE 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 | 41,012,000 | 42,114,000 | 43,821,000 | 49,859,000 |
| Total loans | 31,112,000 | 32,147,000 | 33,006,000 | 39,826,000 |
| Allowance for loan losses | 285,000 | 287,000 | 264,000 | 295,000 |
| Securities available for sale | 7,862,000 | 8,210,000 | 7,518,000 | 7,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,311,000 | 37,025,000 | 38,611,000 | 40,262,000 |
| Interest-bearing deposits | 34,734,000 | 35,483,000 | 36,727,000 | 38,328,000 |
| Noninterest-bearing deposits | 1,577,000 | 1,542,000 | 1,884,000 | 1,933,000 |
| Equity capital | 3,845,000 | 4,188,000 | 4,392,000 | 4,479,000 |
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 | 595,000 | 1,235,000 | 1,840,000 | 2,510,000 |
| Interest expense | 253,000 | 510,000 | 814,000 | 1,169,000 |
| Net interest income | 342,000 | 725,000 | 1,026,000 | 1,341,000 |
| Noninterest income | 402,000 | 827,000 | 1,074,000 | 1,300,000 |
| Noninterest expense | 347,000 | 669,000 | 917,000 | 1,236,000 |
| Provision for loan losses | 7,000 | 19,000 | -6,000 | 22,000 |
| Pretax income | 406,000 | 880,000 | 1,205,000 | 1,400,000 |
| Income tax | 142,000 | 306,000 | 420,000 | 472,000 |
| Net income | 264,000 | 574,000 | 785,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,892,000 | 4,202,000 | 4,413,000 | 4,556,000 |
| Total capital | 4,177,000 | 4,489,000 | 4,677,000 | 4,851,000 |
| Risk-weighted assets | 32,161,000 | 33,240,000 | 33,851,000 | 40,805,000 |