Call reports 2005
CENTRAL BANK — 2005
What CENTRAL 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 | 208,511,000 | 209,429,000 | 217,995,000 | 218,395,000 |
| Total loans | 149,020,000 | 153,310,000 | 157,964,000 | 159,190,000 |
| Allowance for loan losses | 1,935,000 | 1,934,000 | 2,040,000 | 1,620,000 |
| Securities available for sale | 34,261,000 | 38,110,000 | 38,848,000 | 38,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,395,000 | 176,593,000 | 181,142,000 | 181,518,000 |
| Interest-bearing deposits | 148,044,000 | 147,562,000 | 148,143,000 | 149,500,000 |
| Noninterest-bearing deposits | 28,351,000 | 29,031,000 | 32,999,000 | 32,018,000 |
| Equity capital | 21,077,000 | 20,385,000 | 20,324,000 | 20,377,000 |
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 | 2,811,000 | 5,765,000 | 8,924,000 | 12,218,000 |
| Interest expense | 888,000 | 1,897,000 | 3,048,000 | 4,299,000 |
| Net interest income | 1,923,000 | 3,868,000 | 5,876,000 | 7,919,000 |
| Noninterest income | 351,000 | 683,000 | 1,007,000 | 1,402,000 |
| Noninterest expense | 1,588,000 | 3,276,000 | 5,042,000 | 6,662,000 |
| Provision for loan losses | 90,000 | 210,000 | 336,000 | 426,000 |
| Pretax income | 596,000 | 1,046,000 | 1,486,000 | 2,214,000 |
| Income tax | -22,000 | -10,000 | -8,000 | -6,000 |
| Net income | 618,000 | 1,056,000 | 1,494,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,588,000 | 20,740,000 | 20,795,000 | 20,970,000 |
| Total capital | 23,448,000 | 22,649,000 | 22,771,000 | 22,590,000 |
| Risk-weighted assets | 148,788,000 | 152,749,000 | 158,071,000 | 158,015,000 |
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