Call reports 2005
1ST FINANCIAL BANK USA — 2005
What 1ST FINANCIAL BANK USA 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 | 225,882,000 | 237,824,000 | 255,175,000 | 252,105,000 |
| Total loans | 86,124,000 | 90,002,000 | 89,248,000 | 95,268,000 |
| Allowance for loan losses | 8,309,000 | 7,814,000 | 8,634,000 | 9,904,000 |
| Securities available for sale | 8,221,000 | 10,809,000 | 12,788,000 | 15,262,000 |
| Securities held to maturity | 24,169,000 | 24,147,000 | 49,221,000 | 24,258,000 |
| Trading assets | 0 | 0 | 0 | 249,000 |
| Total deposits | 155,966,000 | 163,372,000 | 175,460,000 | 173,792,000 |
| Interest-bearing deposits | 149,063,000 | 157,505,000 | 168,970,000 | 167,961,000 |
| Noninterest-bearing deposits | 6,903,000 | 5,867,000 | 6,490,000 | 5,831,000 |
| Equity capital | 48,359,000 | 51,377,000 | 53,908,000 | 53,639,000 |
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 | 9,272,000 | 20,532,000 | 33,819,000 | 46,516,000 |
| Interest expense | 1,043,000 | 2,189,000 | 3,495,000 | 5,006,000 |
| Net interest income | 8,229,000 | 18,343,000 | 30,324,000 | 41,510,000 |
| Noninterest income | 13,985,000 | 26,841,000 | 43,840,000 | 53,519,000 |
| Noninterest expense | 16,393,000 | 35,100,000 | 57,652,000 | 76,008,000 |
| Provision for loan losses | 1,897,000 | 3,070,000 | 5,169,000 | 8,531,000 |
| Pretax income | 3,924,000 | 7,014,000 | 11,343,000 | 10,490,000 |
| Income tax | 1,526,000 | 2,583,000 | 4,288,000 | 3,942,000 |
| Net income | 2,398,000 | 4,431,000 | 7,055,000 | 6,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,621,000 | 48,901,000 | 51,271,000 | 49,548,000 |
| Total capital | 52,153,000 | 54,423,000 | 56,169,000 | 54,698,000 |
| Risk-weighted assets | 263,900,000 | 261,507,000 | 239,272,000 | 253,840,000 |