Call reports 2005
LEITCHFIELD DEPOSIT BANK & TRUST COMPANY — 2005
What LEITCHFIELD DEPOSIT BANK & 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 | 89,199,000 | 89,144,000 | 92,634,000 | 90,280,000 |
| Total loans | 67,381,000 | 68,588,000 | 68,884,000 | 69,348,000 |
| Allowance for loan losses | 610,000 | 603,000 | 629,000 | 576,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,353,000 | 13,893,000 | 13,877,000 | 13,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,549,000 | 67,855,000 | 68,490,000 | 69,758,000 |
| Interest-bearing deposits | 51,738,000 | 50,963,000 | 50,877,000 | 51,174,000 |
| Noninterest-bearing deposits | 17,811,000 | 16,892,000 | 17,613,000 | 18,584,000 |
| Equity capital | 11,499,000 | 11,928,000 | 12,377,000 | 12,272,000 |
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 | 1,327,000 | 2,780,000 | 4,276,000 | 5,873,000 |
| Interest expense | 303,000 | 635,000 | 993,000 | 1,361,000 |
| Net interest income | 1,024,000 | 2,145,000 | 3,283,000 | 4,512,000 |
| Noninterest income | 173,000 | 350,000 | 528,000 | 710,000 |
| Noninterest expense | 656,000 | 1,323,000 | 1,965,000 | 2,622,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 0 |
| Pretax income | 526,000 | 1,142,000 | 1,801,000 | 2,600,000 |
| Income tax | 152,000 | 339,000 | 550,000 | 798,000 |
| Net income | 374,000 | 803,000 | 1,251,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,499,000 | 11,928,000 | 12,377,000 | 12,272,000 |
| Total capital | 12,109,000 | 12,531,000 | 13,006,000 | 12,848,000 |
| Risk-weighted assets | 66,747,000 | 67,802,000 | 69,700,000 | 68,953,000 |
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