Call reports 2005
FIRST INDEPENDENT BANK — 2005
What FIRST INDEPENDENT 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 | 711,079,000 | 749,472,000 | 820,639,000 | 817,988,000 |
| Total loans | 358,584,000 | 420,691,000 | 492,940,000 | 513,045,000 |
| Allowance for loan losses | 5,473,000 | 5,853,000 | 6,644,000 | 7,418,000 |
| Securities available for sale | 43,821,000 | 41,992,000 | 36,826,000 | 27,988,000 |
| Securities held to maturity | 226,635,000 | 225,468,000 | 223,593,000 | 214,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,403,000 | 604,195,000 | 621,906,000 | 659,955,000 |
| Interest-bearing deposits | 453,550,000 | 456,738,000 | 464,539,000 | 488,680,000 |
| Noninterest-bearing deposits | 154,853,000 | 147,457,000 | 157,367,000 | 171,275,000 |
| Equity capital | 95,303,000 | 96,715,000 | 96,887,000 | 97,254,000 |
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 | 7,972,000 | 17,352,000 | 28,036,000 | 40,491,000 |
| Interest expense | 1,302,000 | 3,105,000 | 5,616,000 | 8,769,000 |
| Net interest income | 6,670,000 | 14,247,000 | 22,420,000 | 31,722,000 |
| Noninterest income | 1,672,000 | 10,511,000 | 17,036,000 | 23,181,000 |
| Noninterest expense | 7,282,000 | 21,521,000 | 33,615,000 | 46,319,000 |
| Provision for loan losses | 200,000 | 700,000 | 1,450,000 | 2,200,000 |
| Pretax income | 860,000 | 2,537,000 | 4,404,000 | 6,318,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 860,000 | 2,537,000 | 4,404,000 | 6,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,375,000 | 92,520,000 | 92,886,000 | 93,552,000 |
| Total capital | 99,848,000 | 98,373,000 | 99,530,000 | 100,970,000 |
| Risk-weighted assets | 512,360,000 | 559,575,000 | 649,269,000 | 699,691,000 |