Call reports 2005
BANK 1ST — 2005
What BANK 1ST 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 | 61,768,000 | 55,976,000 | 61,417,000 | 65,755,000 |
| Total loans | 39,770,000 | 40,896,000 | 45,568,000 | 50,948,000 |
| Allowance for loan losses | 1,038,000 | 1,087,000 | 1,070,000 | 825,000 |
| Securities available for sale | 11,903,000 | 11,808,000 | 10,589,000 | 984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,780,000 | 47,058,000 | 52,120,000 | 57,688,000 |
| Interest-bearing deposits | 41,932,000 | 36,144,000 | 42,044,000 | 47,584,000 |
| Noninterest-bearing deposits | 11,848,000 | 10,914,000 | 10,076,000 | 10,104,000 |
| Equity capital | 6,986,000 | 7,397,000 | 7,634,000 | 7,759,000 |
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 | 880,000 | 1,723,000 | 2,711,000 | 3,855,000 |
| Interest expense | 222,000 | 436,000 | 717,000 | 1,079,000 |
| Net interest income | 658,000 | 1,287,000 | 1,994,000 | 2,776,000 |
| Noninterest income | 47,000 | 83,000 | 123,000 | 182,000 |
| Noninterest expense | 723,000 | 1,426,000 | 2,104,000 | 2,711,000 |
| Provision for loan losses | 26,000 | 51,000 | 34,000 | 77,000 |
| Pretax income | -44,000 | -107,000 | -21,000 | -48,000 |
| Income tax | 418,000 | 0 | 0 | -17,000 |
| Net income | -462,000 | -107,000 | -21,000 | -31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,176,000 | 7,102,000 | 7,361,000 | 7,401,000 |
| Total capital | 7,742,000 | 7,681,000 | 8,003,000 | 8,109,000 |
| Risk-weighted assets | 44,673,000 | 45,687,000 | 50,754,000 | 56,425,000 |