Call reports 2005
FIRST CENTURY BANK — 2005
What FIRST CENTURY 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 | 279,371,000 | 276,208,000 | 274,619,000 | 277,744,000 |
| Total loans | 147,777,000 | 146,058,000 | 149,946,000 | 151,671,000 |
| Allowance for loan losses | 1,884,000 | 1,854,000 | 1,784,000 | 1,603,000 |
| Securities available for sale | 99,358,000 | 95,437,000 | 94,248,000 | 88,024,000 |
| Securities held to maturity | 7,093,000 | 5,903,000 | 5,755,000 | 5,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,047,000 | 248,864,000 | 246,161,000 | 249,739,000 |
| Interest-bearing deposits | 220,913,000 | 215,545,000 | 210,821,000 | 212,794,000 |
| Noninterest-bearing deposits | 31,134,000 | 33,319,000 | 35,340,000 | 36,945,000 |
| Equity capital | 25,665,000 | 26,322,000 | 26,860,000 | 26,901,000 |
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 | 3,492,000 | 7,169,000 | 10,908,000 | 14,672,000 |
| Interest expense | 1,193,000 | 2,469,000 | 3,760,000 | 5,120,000 |
| Net interest income | 2,299,000 | 4,700,000 | 7,148,000 | 9,552,000 |
| Noninterest income | 629,000 | 1,235,000 | 2,043,000 | 3,192,000 |
| Noninterest expense | 2,087,000 | 4,289,000 | 6,454,000 | 8,594,000 |
| Provision for loan losses | 19,000 | 19,000 | 115,000 | 615,000 |
| Pretax income | 841,000 | 1,649,000 | 2,644,000 | 3,557,000 |
| Income tax | 231,000 | 509,000 | 864,000 | 1,102,000 |
| Net income | 610,000 | 1,140,000 | 1,780,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,834,000 | 27,065,000 | 27,705,000 | 28,055,000 |
| Total capital | 28,718,000 | 28,919,000 | 29,489,000 | 29,658,000 |
| Risk-weighted assets | 161,338,000 | 159,543,000 | 162,835,000 | 166,340,000 |