Call reports 2005
FIRST BANK OF LINDEN — 2005
What FIRST BANK OF LINDEN 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 | 102,631,000 | 101,542,000 | 102,040,000 | 103,300,000 |
| Total loans | 67,248,000 | 68,384,000 | 70,301,000 | 68,877,000 |
| Allowance for loan losses | 633,000 | 671,000 | 697,000 | 814,000 |
| Securities available for sale | 3,134,000 | 1,737,000 | 658,000 | 4,185,000 |
| Securities held to maturity | 26,098,000 | 25,506,000 | 25,081,000 | 22,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,738,000 | 90,992,000 | 89,139,000 | 92,769,000 |
| Interest-bearing deposits | 77,276,000 | 82,653,000 | 79,656,000 | 83,691,000 |
| Noninterest-bearing deposits | 9,462,000 | 8,339,000 | 9,483,000 | 9,078,000 |
| Equity capital | 9,414,000 | 9,554,000 | 9,839,000 | 9,795,000 |
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 | 1,303,000 | 2,746,000 | 4,182,000 | 5,667,000 |
| Interest expense | 488,000 | 1,119,000 | 1,792,000 | 2,520,000 |
| Net interest income | 815,000 | 1,627,000 | 2,390,000 | 3,147,000 |
| Noninterest income | 106,000 | 219,000 | 329,000 | 431,000 |
| Noninterest expense | 433,000 | 915,000 | 1,360,000 | 1,902,000 |
| Provision for loan losses | 30,000 | 110,000 | 200,000 | 320,000 |
| Pretax income | 482,000 | 847,000 | 1,210,000 | 1,407,000 |
| Income tax | 85,000 | 172,000 | 224,000 | 269,000 |
| Net income | 397,000 | 675,000 | 986,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,396,000 | 9,530,000 | 9,712,000 | 9,831,000 |
| Total capital | 10,029,000 | 10,201,000 | 10,409,000 | 10,645,000 |
| Risk-weighted assets | 70,899,000 | 71,536,000 | 73,001,000 | 72,087,000 |