Call reports 2005
FIRST INTERNATIONAL BANK AND TRUST — 2005
What FIRST INTERNATIONAL 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 | 646,417,000 | 667,859,000 | 684,404,000 | 727,328,000 |
| Total loans | 475,239,000 | 504,134,000 | 524,981,000 | 531,568,000 |
| Allowance for loan losses | 6,946,000 | 7,027,000 | 7,339,000 | 6,780,000 |
| Securities available for sale | 108,422,000 | 110,221,000 | 109,141,000 | 116,701,000 |
| Securities held to maturity | 265,000 | 500,000 | 1,707,000 | 1,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,397,000 | 519,546,000 | 539,590,000 | 584,923,000 |
| Interest-bearing deposits | 433,897,000 | 440,458,000 | 457,303,000 | 465,514,000 |
| Noninterest-bearing deposits | 71,500,000 | 79,088,000 | 82,287,000 | 119,409,000 |
| Equity capital | 49,902,000 | 52,618,000 | 53,641,000 | 54,792,000 |
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 | 9,544,000 | 19,535,000 | 29,882,000 | 41,520,000 |
| Interest expense | 3,427,000 | 7,050,000 | 11,059,000 | 15,533,000 |
| Net interest income | 6,117,000 | 12,485,000 | 18,823,000 | 25,987,000 |
| Noninterest income | 1,714,000 | 3,451,000 | 5,524,000 | 6,838,000 |
| Noninterest expense | 4,948,000 | 9,904,000 | 14,846,000 | 20,166,000 |
| Provision for loan losses | 166,000 | 358,000 | 455,000 | 573,000 |
| Pretax income | 2,717,000 | 5,674,000 | 9,043,000 | 12,085,000 |
| Income tax | 670,000 | 1,339,000 | 2,009,000 | 2,388,000 |
| Net income | 2,047,000 | 4,335,000 | 7,034,000 | 9,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,164,000 | 50,840,000 | 52,755,000 | 54,704,000 |
| Total capital | 55,491,000 | 57,571,000 | 59,751,000 | 61,484,000 |
| Risk-weighted assets | 505,560,000 | 538,194,000 | 559,315,000 | 579,356,000 |