Call reports 2005
FIRST BANK & TRUST, IL — 2005
What FIRST BANK & TRUST, IL 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 | 228,593,000 | 234,108,000 | 235,454,000 | 273,741,000 |
| Total loans | 121,248,000 | 131,578,000 | 139,934,000 | 159,919,000 |
| Allowance for loan losses | 2,275,000 | 2,307,000 | 2,361,000 | 2,662,000 |
| Securities available for sale | 79,018,000 | 75,361,000 | 69,512,000 | 76,204,000 |
| Securities held to maturity | 4,761,000 | 4,472,000 | 3,928,000 | 3,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,549,000 | 165,590,000 | 159,547,000 | 194,770,000 |
| Interest-bearing deposits | 140,994,000 | 144,104,000 | 140,528,000 | 172,720,000 |
| Noninterest-bearing deposits | 19,555,000 | 21,486,000 | 19,019,000 | 22,050,000 |
| Equity capital | 25,225,000 | 25,699,000 | 26,065,000 | 30,383,000 |
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 | 3,038,000 | 6,212,000 | 9,529,000 | 13,375,000 |
| Interest expense | 1,128,000 | 2,309,000 | 3,604,000 | 5,197,000 |
| Net interest income | 1,910,000 | 3,903,000 | 5,925,000 | 8,178,000 |
| Noninterest income | 471,000 | 919,000 | 1,415,000 | 1,954,000 |
| Noninterest expense | 1,876,000 | 3,687,000 | 5,637,000 | 7,795,000 |
| Provision for loan losses | 94,000 | 188,000 | 287,000 | 510,000 |
| Pretax income | 411,000 | 947,000 | 1,416,000 | 1,827,000 |
| Income tax | 98,000 | 223,000 | 334,000 | 412,000 |
| Net income | 313,000 | 724,000 | 1,082,000 | 1,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,307,000 | 25,693,000 | 26,178,000 | 29,751,000 |
| Total capital | 26,855,000 | 27,350,000 | 27,932,000 | 31,785,000 |
| Risk-weighted assets | 123,123,000 | 131,917,000 | 139,701,000 | 162,063,000 |