Call reports 2005
FIRST SIGNATURE BANK AND TRUST COMPANY — 2005
What FIRST SIGNATURE 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 | 533,280,000 | 516,876,000 | 503,016,000 | 424,906,000 |
| Total loans | 11,932,000 | 12,131,000 | 11,512,000 | 10,347,000 |
| Allowance for loan losses | 94,000 | 93,000 | 90,000 | 33,000 |
| Securities available for sale | 474,974,000 | 463,754,000 | 440,199,000 | 386,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,247,000 | 433,035,000 | 414,964,000 | 376,219,000 |
| Interest-bearing deposits | 436,756,000 | 426,717,000 | 406,828,000 | 376,115,000 |
| Noninterest-bearing deposits | 5,491,000 | 6,318,000 | 8,135,000 | 104,000 |
| Equity capital | 35,791,000 | 36,633,000 | 36,873,000 | 35,406,000 |
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 | 4,866,000 | 10,200,000 | 15,978,000 | 22,007,000 |
| Interest expense | 3,024,000 | 6,472,000 | 10,389,000 | 14,656,000 |
| Net interest income | 1,842,000 | 3,728,000 | 5,589,000 | 7,351,000 |
| Noninterest income | 304,000 | 284,000 | 499,000 | 201,000 |
| Noninterest expense | 1,089,000 | 2,166,000 | 3,332,000 | 5,101,000 |
| Provision for loan losses | -3,000 | 11,000 | 24,000 | -11,000 |
| Pretax income | 1,049,000 | 1,802,000 | 2,799,000 | 2,639,000 |
| Income tax | 419,000 | 721,000 | 1,121,000 | 992,000 |
| Net income | 630,000 | 1,081,000 | 1,678,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,254,000 | 34,381,000 | 34,650,000 | 34,291,000 |
| Total capital | 34,347,000 | 34,474,000 | 34,739,000 | 34,324,000 |
| Risk-weighted assets | 224,135,000 | 221,631,000 | 215,206,000 | 182,950,000 |