Call reports 2005
FIRST TEAM BANK — 2005
What FIRST TEAM 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 |
|---|---|---|---|
| Total assets | 204,827,000 | 207,434,000 | 233,517,000 |
| Total loans | 100,222,000 | 100,485,000 | 97,738,000 |
| Allowance for loan losses | 1,177,000 | 1,099,000 | 1,033,000 |
| Securities available for sale | 87,966,000 | 84,301,000 | 77,314,000 |
| Securities held to maturity | 25,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 175,061,000 | 179,449,000 | 181,500,000 |
| Interest-bearing deposits | 154,808,000 | 157,021,000 | 157,580,000 |
| Noninterest-bearing deposits | 20,253,000 | 22,428,000 | 23,920,000 |
| Equity capital | 19,470,000 | 20,146,000 | 49,084,000 |
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 |
|---|---|---|---|
| Interest income | 2,328,000 | 4,721,000 | 763,000 |
| Interest expense | 765,000 | 1,587,000 | 268,000 |
| Net interest income | 1,563,000 | 3,134,000 | 495,000 |
| Noninterest income | 313,000 | 601,000 | 116,000 |
| Noninterest expense | 1,367,000 | 2,752,000 | 423,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 510,000 | 985,000 | 174,000 |
| Income tax | 119,000 | 203,000 | -801,000 |
| Net income | 391,000 | 782,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 18,125,000 | 18,443,000 | 18,885,000 |
| Total capital | 19,302,000 | 19,542,000 | 19,918,000 |
| Risk-weighted assets | 118,298,000 | 118,225,000 | 121,779,000 |