Call reports 2005
FIRST TRUST BANK — 2005
What FIRST TRUST 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 | 248,791,000 | 276,250,000 | 292,174,000 | 303,021,000 |
| Total loans | 183,388,000 | 194,342,000 | 205,987,000 | 222,191,000 |
| Allowance for loan losses | 2,998,000 | 3,083,000 | 3,302,000 | 3,456,000 |
| Securities available for sale | 36,482,000 | 48,390,000 | 55,850,000 | 61,137,000 |
| Securities held to maturity | 6,466,000 | 6,460,000 | 6,454,000 | 6,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,076,000 | 224,929,000 | 240,258,000 | 240,855,000 |
| Interest-bearing deposits | 170,131,000 | 213,013,000 | 229,523,000 | 229,484,000 |
| Noninterest-bearing deposits | 36,945,000 | 11,916,000 | 10,735,000 | 11,371,000 |
| Equity capital | 17,806,000 | 26,551,000 | 27,102,000 | 27,824,000 |
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 | 3,360,000 | 7,217,000 | 11,578,000 | 16,386,000 |
| Interest expense | 1,035,000 | 2,267,000 | 3,806,000 | 5,508,000 |
| Net interest income | 2,325,000 | 4,950,000 | 7,772,000 | 10,878,000 |
| Noninterest income | 64,000 | 145,000 | 218,000 | 320,000 |
| Noninterest expense | 1,256,000 | 2,602,000 | 4,049,000 | 5,579,000 |
| Provision for loan losses | 38,000 | 212,000 | 341,000 | 503,000 |
| Pretax income | 1,095,000 | 2,281,000 | 3,598,000 | 5,114,000 |
| Income tax | 412,000 | 858,000 | 1,368,000 | 1,913,000 |
| Net income | 683,000 | 1,423,000 | 2,230,000 | 3,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,985,000 | 26,339,000 | 27,146,000 | 28,254,000 |
| Total capital | 20,445,000 | 28,995,000 | 29,988,000 | 31,368,000 |
| Risk-weighted assets | 196,232,000 | 212,073,000 | 226,939,000 | 248,758,000 |