Call reports 2005
FIRST CREDIT BANK — 2005
What FIRST CREDIT 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 | 319,755,000 | 317,131,000 | 322,625,000 | 321,918,000 |
| Total loans | 250,408,000 | 253,807,000 | 265,644,000 | 268,884,000 |
| Allowance for loan losses | 6,684,000 | 6,684,000 | 6,684,000 | 6,684,000 |
| Securities available for sale | 21,639,000 | 21,066,000 | 21,082,000 | 21,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,694,000 | 246,404,000 | 248,466,000 | 247,611,000 |
| Interest-bearing deposits | 239,064,000 | 233,910,000 | 236,056,000 | 235,182,000 |
| Noninterest-bearing deposits | 10,630,000 | 12,494,000 | 12,410,000 | 12,429,000 |
| Equity capital | 66,257,000 | 66,460,000 | 68,675,000 | 70,511,000 |
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 | 5,885,000 | 12,760,000 | 19,525,000 | 26,870,000 |
| Interest expense | 1,534,000 | 3,293,000 | 5,307,000 | 7,473,000 |
| Net interest income | 4,351,000 | 9,467,000 | 14,218,000 | 19,397,000 |
| Noninterest income | 801,000 | 838,000 | 891,000 | 922,000 |
| Noninterest expense | 712,000 | 1,458,000 | 2,189,000 | 3,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,646,000 | 9,243,000 | 13,316,000 | 17,483,000 |
| Income tax | 166,000 | 355,000 | 500,000 | 630,000 |
| Net income | 4,480,000 | 8,888,000 | 12,816,000 | 16,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,121,000 | 66,454,000 | 68,686,000 | 70,502,000 |
| Total capital | 69,585,000 | 70,007,000 | 72,361,000 | 74,218,000 |
| Risk-weighted assets | 273,687,000 | 280,866,000 | 290,823,000 | 294,089,000 |
Machine access — free, no API key
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