Call reports 2005
FIRST SERVICE BANK — 2005
What FIRST SERVICE 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 | 122,913,000 | 129,022,000 | 135,904,000 | 145,756,000 |
| Total loans | 98,778,000 | 104,143,000 | 108,753,000 | 104,337,000 |
| Allowance for loan losses | 1,776,000 | 1,891,000 | 1,906,000 | 1,993,000 |
| Securities available for sale | 9,824,000 | 9,197,000 | 9,008,000 | 8,956,000 |
| Securities held to maturity | 3,421,000 | 3,609,000 | 3,558,000 | 14,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,208,000 | 114,520,000 | 120,937,000 | 130,138,000 |
| Interest-bearing deposits | 91,619,000 | 98,355,000 | 103,369,000 | 111,046,000 |
| Noninterest-bearing deposits | 15,589,000 | 16,165,000 | 17,568,000 | 19,092,000 |
| Equity capital | 9,898,000 | 10,364,000 | 10,605,000 | 10,769,000 |
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 | 1,924,000 | 3,945,000 | 6,136,000 | 8,443,000 |
| Interest expense | 455,000 | 1,011,000 | 1,680,000 | 2,472,000 |
| Net interest income | 1,469,000 | 2,934,000 | 4,456,000 | 5,971,000 |
| Noninterest income | 383,000 | 877,000 | 1,330,000 | 1,767,000 |
| Noninterest expense | 1,131,000 | 2,288,000 | 3,676,000 | 5,226,000 |
| Provision for loan losses | 168,000 | 335,000 | 502,000 | 670,000 |
| Pretax income | 552,000 | 1,187,000 | 1,607,000 | 1,841,000 |
| Income tax | 190,000 | 416,000 | 560,000 | 629,000 |
| Net income | 362,000 | 771,000 | 1,047,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,018,000 | 10,428,000 | 10,704,000 | 10,868,000 |
| Total capital | 11,220,000 | 11,696,000 | 12,048,000 | 12,200,000 |
| Risk-weighted assets | 94,787,000 | 100,853,000 | 106,197,000 | 105,890,000 |