Call reports 2004
FIRST BANK AND TRUST COMPANY — 2004
What FIRST BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,377,000 | 51,634,000 | 53,046,000 | 52,308,000 |
| Total loans | 28,657,000 | 29,920,000 | 32,310,000 | 31,165,000 |
| Allowance for loan losses | 340,000 | 348,000 | 355,000 | 363,000 |
| Securities available for sale | 21,416,000 | 19,406,000 | 18,284,000 | 18,864,000 |
| Securities held to maturity | 163,000 | 191,000 | 125,000 | 113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,467,000 | 38,119,000 | 38,131,000 | 37,848,000 |
| Interest-bearing deposits | 36,797,000 | 35,581,000 | 34,752,000 | 34,669,000 |
| Noninterest-bearing deposits | 2,670,000 | 2,538,000 | 3,379,000 | 3,179,000 |
| Equity capital | 6,209,000 | 6,039,000 | 6,313,000 | 5,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,375,000 | 2,062,000 | 2,756,000 |
| Interest expense | 218,000 | 429,000 | 645,000 | 865,000 |
| Net interest income | 472,000 | 946,000 | 1,417,000 | 1,891,000 |
| Noninterest income | 63,000 | 123,000 | 190,000 | 271,000 |
| Noninterest expense | 370,000 | 720,000 | 1,064,000 | 1,470,000 |
| Provision for loan losses | 15,000 | 23,000 | 30,000 | 38,000 |
| Pretax income | 152,000 | 328,000 | 514,000 | 656,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 17,000 |
| Net income | 149,000 | 320,000 | 502,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,909,000 | 6,080,000 | 6,262,000 | 5,900,000 |
| Total capital | 6,249,000 | 6,428,000 | 6,617,000 | 6,263,000 |
| Risk-weighted assets | 31,960,000 | 32,788,000 | 34,788,000 | 34,025,000 |