Call reports 2004
FIRST BANK & TRUST, IL — 2004
What FIRST BANK & TRUST, IL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 227,843,000 | 220,271,000 | 223,499,000 | 229,925,000 |
| Total loans | 109,364,000 | 113,958,000 | 118,351,000 | 119,846,000 |
| Allowance for loan losses | 2,161,000 | 2,149,000 | 2,255,000 | 2,250,000 |
| Securities available for sale | 93,208,000 | 84,515,000 | 81,963,000 | 82,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 4,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,928,000 | 158,989,000 | 158,737,000 | 159,814,000 |
| Interest-bearing deposits | 146,474,000 | 141,552,000 | 141,081,000 | 139,619,000 |
| Noninterest-bearing deposits | 18,454,000 | 17,437,000 | 17,656,000 | 20,195,000 |
| Equity capital | 24,827,000 | 23,481,000 | 24,973,000 | 25,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 5,941,000 | 8,932,000 | 12,197,000 |
| Interest expense | 1,133,000 | 2,206,000 | 3,297,000 | 4,433,000 |
| Net interest income | 1,795,000 | 3,735,000 | 5,635,000 | 7,764,000 |
| Noninterest income | 454,000 | 994,000 | 1,602,000 | 2,078,000 |
| Noninterest expense | 1,725,000 | 3,546,000 | 5,445,000 | 7,422,000 |
| Provision for loan losses | 150,000 | 262,000 | 388,000 | 515,000 |
| Pretax income | 374,000 | 921,000 | 1,404,000 | 1,905,000 |
| Income tax | 130,000 | 312,000 | 482,000 | 586,000 |
| Net income | 244,000 | 609,000 | 922,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,889,000 | 24,238,000 | 24,528,000 | 24,871,000 |
| Total capital | 25,331,000 | 25,690,000 | 26,013,000 | 26,409,000 |
| Risk-weighted assets | 114,643,000 | 115,440,000 | 118,061,000 | 122,349,000 |