Call reports 2005
FIRST CITY BANK — 2005
What FIRST CITY BANK 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 | 53,438,000 | 55,607,000 | 53,693,000 | 53,892,000 |
| Total loans | 43,742,000 | 43,805,000 | 44,807,000 | 44,664,000 |
| Allowance for loan losses | 468,000 | 484,000 | 490,000 | 503,000 |
| Securities available for sale | 6,312,000 | 6,592,000 | 6,056,000 | 5,665,000 |
| Securities held to maturity | 10,000 | 10,000 | 9,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,717,000 | 48,919,000 | 45,401,000 | 43,457,000 |
| Interest-bearing deposits | 41,393,000 | 45,537,000 | 43,069,000 | 39,324,000 |
| Noninterest-bearing deposits | 2,324,000 | 3,382,000 | 2,332,000 | 4,133,000 |
| Equity capital | 4,235,000 | 4,192,000 | 4,264,000 | 4,342,000 |
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 | 753,000 | 1,553,000 | 2,426,000 | 3,275,000 |
| Interest expense | 255,000 | 555,000 | 891,000 | 1,267,000 |
| Net interest income | 498,000 | 998,000 | 1,535,000 | 2,008,000 |
| Noninterest income | 11,000 | 20,000 | 29,000 | 39,000 |
| Noninterest expense | 371,000 | 732,000 | 1,097,000 | 1,411,000 |
| Provision for loan losses | 9,000 | 24,000 | 33,000 | 42,000 |
| Pretax income | 129,000 | 262,000 | 434,000 | 594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 262,000 | 434,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,235,000 | 4,194,000 | 4,283,000 | 4,368,000 |
| Total capital | 5,172,000 | 5,130,000 | 5,223,000 | 5,317,000 |
| Risk-weighted assets | 34,896,000 | 34,755,000 | 35,169,000 | 35,137,000 |