Call reports 2005
FIRST BANK AND TRUST COMPANY — 2005
What FIRST BANK AND TRUST COMPANY 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 | 51,467,000 | 52,558,000 | 49,916,000 | 51,028,000 |
| Total loans | 29,587,000 | 28,957,000 | 28,787,000 | 27,562,000 |
| Allowance for loan losses | 371,000 | 386,000 | 393,000 | 400,000 |
| Securities available for sale | 20,004,000 | 21,683,000 | 18,863,000 | 20,467,000 |
| Securities held to maturity | 106,000 | 98,000 | 41,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,810,000 | 37,349,000 | 36,501,000 | 36,416,000 |
| Interest-bearing deposits | 35,238,000 | 34,887,000 | 34,142,000 | 33,155,000 |
| Noninterest-bearing deposits | 2,572,000 | 2,462,000 | 2,359,000 | 3,261,000 |
| Equity capital | 5,808,000 | 6,020,000 | 5,802,000 | 5,604,000 |
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 | 669,000 | 1,350,000 | 2,058,000 | 2,765,000 |
| Interest expense | 220,000 | 462,000 | 718,000 | 975,000 |
| Net interest income | 449,000 | 888,000 | 1,340,000 | 1,790,000 |
| Noninterest income | 61,000 | 119,000 | 176,000 | 253,000 |
| Noninterest expense | 355,000 | 712,000 | 1,077,000 | 1,476,000 |
| Provision for loan losses | 8,000 | 23,000 | 30,000 | 38,000 |
| Pretax income | 147,000 | 274,000 | 411,000 | 531,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 18,000 |
| Net income | 142,000 | 265,000 | 397,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,025,000 | 6,148,000 | 6,030,000 | 5,897,000 |
| Total capital | 6,396,000 | 6,534,000 | 6,423,000 | 6,290,000 |
| Risk-weighted assets | 32,510,000 | 32,382,000 | 32,221,000 | 31,454,000 |