Call reports 2005
FIRST BANK AND TRUST — 2005
What FIRST BANK AND TRUST 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 | 625,106,000 | 668,318,000 | 676,796,000 | 623,358,000 |
| Total loans | 507,278,000 | 578,186,000 | 575,299,000 | 515,427,000 |
| Allowance for loan losses | 6,518,000 | 6,550,000 | 6,759,000 | 12,834,000 |
| Securities available for sale | 45,360,000 | 42,938,000 | 50,194,000 | 68,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,365,000 | 527,969,000 | 504,787,000 | 537,555,000 |
| Interest-bearing deposits | 357,625,000 | 434,384,000 | 415,933,000 | 422,478,000 |
| Noninterest-bearing deposits | 97,740,000 | 93,585,000 | 88,854,000 | 115,077,000 |
| Equity capital | 48,328,000 | 48,783,000 | 50,095,000 | 45,584,000 |
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 | 8,961,000 | 18,525,000 | 29,769,000 | 38,670,000 |
| Interest expense | 3,048,000 | 6,192,000 | 10,204,000 | 14,049,000 |
| Net interest income | 5,913,000 | 12,333,000 | 19,565,000 | 24,621,000 |
| Noninterest income | 1,797,000 | 3,150,000 | 3,813,000 | 5,572,000 |
| Noninterest expense | 4,473,000 | 9,106,000 | 14,018,000 | 19,645,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 11,140,000 |
| Pretax income | 2,981,000 | 5,809,000 | 8,426,000 | -2,251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,981,000 | 5,809,000 | 8,426,000 | -2,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,780,000 | 44,178,000 | 45,677,000 | 40,521,000 |
| Total capital | 49,974,000 | 50,421,000 | 51,998,000 | 46,223,000 |
| Risk-weighted assets | 495,231,000 | 499,169,000 | 505,306,000 | 449,058,000 |