Call reports 2005
FIRSTCITY BANK — 2005
What FIRSTCITY 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 | 120,101,000 | 130,576,000 | 149,282,000 | 159,929,000 |
| Total loans | 109,262,000 | 112,740,000 | 127,217,000 | 141,426,000 |
| Allowance for loan losses | 992,000 | 1,075,000 | 1,141,000 | 1,374,000 |
| Securities available for sale | 3,579,000 | 3,590,000 | 3,584,000 | 4,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,395,000 | 109,953,000 | 132,389,000 | 141,107,000 |
| Interest-bearing deposits | 94,642,000 | 104,400,000 | 113,142,000 | 127,154,000 |
| Noninterest-bearing deposits | 10,753,000 | 5,553,000 | 19,247,000 | 13,953,000 |
| Equity capital | 8,541,000 | 10,490,000 | 12,000,000 | 13,218,000 |
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 | 2,042,000 | 4,457,000 | 7,297,000 | 10,857,000 |
| Interest expense | 633,000 | 1,396,000 | 2,376,000 | 3,523,000 |
| Net interest income | 1,409,000 | 3,061,000 | 4,921,000 | 7,334,000 |
| Noninterest income | 61,000 | 139,000 | 239,000 | 68,000 |
| Noninterest expense | 795,000 | 1,714,000 | 3,113,000 | 4,950,000 |
| Provision for loan losses | 75,000 | 250,000 | 350,000 | 625,000 |
| Pretax income | 600,000 | 1,236,000 | 1,697,000 | 1,827,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 600,000 | 1,236,000 | 1,697,000 | 1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,572,000 | 10,511,000 | 12,027,000 | 13,278,000 |
| Total capital | 9,564,000 | 11,586,000 | 13,168,000 | 14,652,000 |
| Risk-weighted assets | 107,544,000 | 112,572,000 | 128,081,000 | 143,324,000 |