Call reports 2005
TOUCHSTONE BANK — 2005
What TOUCHSTONE 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 | 133,645,000 | 141,850,000 | 144,205,000 | 142,202,000 |
| Total loans | 92,690,000 | 94,517,000 | 97,351,000 | 94,319,000 |
| Allowance for loan losses | 1,012,000 | 1,022,000 | 1,025,000 | 1,025,000 |
| Securities available for sale | 20,135,000 | 20,099,000 | 20,261,000 | 25,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,574,000 | 110,578,000 | 112,652,000 | 110,663,000 |
| Interest-bearing deposits | 90,067,000 | 88,928,000 | 89,329,000 | 87,758,000 |
| Noninterest-bearing deposits | 22,507,000 | 21,650,000 | 23,323,000 | 22,905,000 |
| Equity capital | 15,506,000 | 15,776,000 | 16,046,000 | 15,782,000 |
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 | 1,823,000 | 3,755,000 | 5,801,000 | 7,879,000 |
| Interest expense | 455,000 | 983,000 | 1,621,000 | 2,294,000 |
| Net interest income | 1,368,000 | 2,772,000 | 4,180,000 | 5,585,000 |
| Noninterest income | 290,000 | 687,000 | 1,096,000 | 1,429,000 |
| Noninterest expense | 1,247,000 | 2,504,000 | 3,838,000 | 5,042,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 42,000 |
| Pretax income | 414,000 | 940,000 | 1,413,000 | 1,929,000 |
| Income tax | 133,000 | 301,000 | 448,000 | 606,000 |
| Net income | 281,000 | 639,000 | 965,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,810,000 | 16,169,000 | 16,495,000 | 16,429,000 |
| Total capital | 16,682,000 | 17,051,000 | 17,380,000 | 17,314,000 |
| Risk-weighted assets | 99,633,000 | 102,847,000 | 105,217,000 | 102,422,000 |
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