Call reports 2005
FIRST SECURITY TRUST BANK, INC — 2005
What FIRST SECURITY TRUST BANK, INC 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 | 76,435,000 | 81,818,000 | 82,447,000 | 90,129,000 |
| Total loans | 58,824,000 | 63,044,000 | 66,957,000 | 73,872,000 |
| Allowance for loan losses | 483,000 | 501,000 | 500,000 | 484,000 |
| Securities available for sale | 11,918,000 | 10,118,000 | 8,123,000 | 7,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,311,000 | 58,598,000 | 59,898,000 | 64,430,000 |
| Interest-bearing deposits | 46,086,000 | 51,170,000 | 52,815,000 | 57,976,000 |
| Noninterest-bearing deposits | 5,225,000 | 7,428,000 | 7,083,000 | 6,454,000 |
| Equity capital | 8,485,000 | 8,673,000 | 8,771,000 | 8,870,000 |
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 | 1,066,000 | 2,227,000 | 3,485,000 | 4,881,000 |
| Interest expense | 348,000 | 769,000 | 1,262,000 | 1,832,000 |
| Net interest income | 718,000 | 1,458,000 | 2,223,000 | 3,049,000 |
| Noninterest income | 117,000 | 274,000 | 432,000 | 559,000 |
| Noninterest expense | 653,000 | 1,343,000 | 2,040,000 | 2,754,000 |
| Provision for loan losses | 10,000 | 28,000 | 28,000 | 28,000 |
| Pretax income | 172,000 | 361,000 | 587,000 | 826,000 |
| Income tax | 60,000 | 124,000 | 202,000 | 284,000 |
| Net income | 112,000 | 237,000 | 385,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,527,000 | 8,652,000 | 8,800,000 | 8,956,000 |
| Total capital | 9,010,000 | 9,153,000 | 9,300,000 | 9,440,000 |
| Risk-weighted assets | 63,634,000 | 70,092,000 | 72,314,000 | 78,026,000 |