Call reports 2004
FIRST INTERNATIONAL BANK AND TRUST — 2004
What FIRST INTERNATIONAL BANK AND TRUST 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 | 613,188,000 | 636,507,000 | 636,538,000 | 658,466,000 |
| Total loans | 459,515,000 | 484,779,000 | 482,886,000 | 485,527,000 |
| Allowance for loan losses | 6,470,000 | 6,963,000 | 7,131,000 | 6,839,000 |
| Securities available for sale | 108,856,000 | 102,866,000 | 103,430,000 | 107,182,000 |
| Securities held to maturity | 295,000 | 275,000 | 275,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,114,000 | 481,624,000 | 486,410,000 | 515,485,000 |
| Interest-bearing deposits | 406,746,000 | 418,945,000 | 418,625,000 | 439,302,000 |
| Noninterest-bearing deposits | 60,368,000 | 62,679,000 | 67,785,000 | 76,183,000 |
| Equity capital | 48,023,000 | 47,505,000 | 50,372,000 | 50,912,000 |
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 | 9,196,000 | 18,833,000 | 28,527,000 | 37,329,000 |
| Interest expense | 3,104,000 | 6,292,000 | 9,554,000 | 12,923,000 |
| Net interest income | 6,092,000 | 12,541,000 | 18,973,000 | 24,406,000 |
| Noninterest income | 1,390,000 | 2,857,000 | 4,337,000 | 6,804,000 |
| Noninterest expense | 4,849,000 | 9,642,000 | 14,534,000 | 19,663,000 |
| Provision for loan losses | 651,000 | 1,148,000 | 1,436,000 | 1,559,000 |
| Pretax income | 1,982,000 | 4,608,000 | 7,338,000 | 9,986,000 |
| Income tax | 728,000 | 1,364,000 | 2,249,000 | 3,210,000 |
| Net income | 1,254,000 | 3,244,000 | 5,089,000 | 6,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,038,000 | 46,544,000 | 48,027,000 | 49,079,000 |
| Total capital | 51,068,000 | 52,848,000 | 54,331,000 | 55,534,000 |
| Risk-weighted assets | 482,001,000 | 503,659,000 | 503,549,000 | 516,048,000 |
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