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 | 119,227,000 | 120,363,000 | 124,107,000 | 127,190,000 |
| Total loans | 90,057,000 | 91,957,000 | 89,733,000 | 92,394,000 |
| Allowance for loan losses | 1,095,000 | 1,180,000 | 1,257,000 | 1,313,000 |
| Securities available for sale | 23,901,000 | 23,181,000 | 24,616,000 | 27,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,359,000 | 101,771,000 | 106,940,000 | 109,559,000 |
| Interest-bearing deposits | 90,241,000 | 92,375,000 | 97,677,000 | 96,930,000 |
| Noninterest-bearing deposits | 10,118,000 | 9,396,000 | 9,263,000 | 12,629,000 |
| Equity capital | 10,037,000 | 10,303,000 | 10,426,000 | 10,571,000 |
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 | 1,637,000 | 3,380,000 | 5,203,000 | 7,099,000 |
| Interest expense | 570,000 | 1,207,000 | 1,930,000 | 2,739,000 |
| Net interest income | 1,067,000 | 2,173,000 | 3,273,000 | 4,360,000 |
| Noninterest income | 117,000 | 244,000 | 379,000 | 532,000 |
| Noninterest expense | 676,000 | 1,340,000 | 2,021,000 | 2,689,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 454,000 | 974,000 | 1,468,000 | 1,980,000 |
| Income tax | 131,000 | 290,000 | 439,000 | 594,000 |
| Net income | 323,000 | 684,000 | 1,029,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,014,000 | 10,225,000 | 10,419,000 | 10,626,000 |
| Total capital | 11,109,000 | 11,365,000 | 11,572,000 | 11,808,000 |
| Risk-weighted assets | 91,667,000 | 91,148,000 | 92,138,000 | 94,405,000 |