Call reports 2005
FORESIGHT BANK — 2005
What FORESIGHT 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 | 126,201,000 | 125,486,000 | 128,352,000 | 130,386,000 |
| Total loans | 105,306,000 | 106,112,000 | 108,276,000 | 107,948,000 |
| Allowance for loan losses | 1,144,000 | 1,144,000 | 1,091,000 | 1,133,000 |
| Securities available for sale | 11,672,000 | 11,519,000 | 11,970,000 | 12,286,000 |
| Securities held to maturity | 914,000 | 916,000 | 917,000 | 863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,165,000 | 90,114,000 | 91,819,000 | 97,683,000 |
| Interest-bearing deposits | 83,065,000 | 81,484,000 | 82,853,000 | 85,973,000 |
| Noninterest-bearing deposits | 8,100,000 | 8,630,000 | 8,966,000 | 11,711,000 |
| Equity capital | 10,238,000 | 10,537,000 | 10,687,000 | 10,335,000 |
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 | 1,835,000 | 3,716,000 | 5,639,000 | 7,608,000 |
| Interest expense | 716,000 | 1,503,000 | 2,334,000 | 3,226,000 |
| Net interest income | 1,119,000 | 2,213,000 | 3,305,000 | 4,382,000 |
| Noninterest income | 79,000 | 177,000 | 275,000 | 367,000 |
| Noninterest expense | 728,000 | 1,407,000 | 2,138,000 | 2,878,000 |
| Provision for loan losses | -70,000 | -62,000 | -140,000 | -78,000 |
| Pretax income | 540,000 | 1,045,000 | 1,587,000 | 1,865,000 |
| Income tax | 19,000 | 38,000 | 57,000 | 76,000 |
| Net income | 521,000 | 1,007,000 | 1,530,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,166,000 | 10,372,000 | 10,607,000 | 10,290,000 |
| Total capital | 11,310,000 | 11,516,000 | 11,698,000 | 11,423,000 |
| Risk-weighted assets | 92,893,000 | 94,920,000 | 97,372,000 | 97,343,000 |