Call reports 2005
FIRST BANK OF BANCROFT — 2005
What FIRST BANK OF BANCROFT 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 | 14,324,000 | 14,354,000 | 14,707,000 | 14,900,000 |
| Total loans | 11,410,000 | 11,594,000 | 11,370,000 | 11,612,000 |
| Allowance for loan losses | 182,000 | 187,000 | 187,000 | 187,000 |
| Securities available for sale | 1,620,000 | 1,317,000 | 1,308,000 | 1,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,314,000 | 11,267,000 | 11,557,000 | 11,916,000 |
| Interest-bearing deposits | 9,536,000 | 9,495,000 | 9,880,000 | 10,121,000 |
| Noninterest-bearing deposits | 1,778,000 | 1,772,000 | 1,677,000 | 1,795,000 |
| Equity capital | 2,802,000 | 2,850,000 | 2,885,000 | 2,795,000 |
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 | 240,000 | 462,000 | 685,000 | 926,000 |
| Interest expense | 45,000 | 94,000 | 151,000 | 217,000 |
| Net interest income | 195,000 | 368,000 | 534,000 | 709,000 |
| Noninterest income | 13,000 | 30,000 | 47,000 | 62,000 |
| Noninterest expense | 131,000 | 256,000 | 386,000 | 558,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 77,000 | 137,000 | 190,000 | 208,000 |
| Income tax | 24,000 | 43,000 | 58,000 | 60,000 |
| Net income | 53,000 | 94,000 | 132,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,812,000 | 2,854,000 | 2,892,000 | 2,808,000 |
| Total capital | 2,947,000 | 2,988,000 | 3,027,000 | 2,945,000 |
| Risk-weighted assets | 10,734,000 | 10,650,000 | 10,777,000 | 10,876,000 |