Call reports 2005
ISLANDERS BANK — 2005
What ISLANDERS 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 | 152,404,000 | 157,302,000 | 160,068,000 | 149,262,000 |
| Total loans | 92,320,000 | 98,806,000 | 95,013,000 | 98,335,000 |
| Allowance for loan losses | 1,481,000 | 1,492,000 | 1,475,000 | 1,442,000 |
| Securities available for sale | 47,386,000 | 45,205,000 | 42,996,000 | 36,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,159,000 | 136,674,000 | 142,499,000 | 131,975,000 |
| Interest-bearing deposits | 98,462,000 | 95,976,000 | 94,757,000 | 91,865,000 |
| Noninterest-bearing deposits | 37,697,000 | 40,698,000 | 47,742,000 | 40,110,000 |
| Equity capital | 15,405,000 | 16,072,000 | 16,417,000 | 16,224,000 |
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 | 1,857,000 | 3,860,000 | 5,917,000 | 7,966,000 |
| Interest expense | 250,000 | 569,000 | 875,000 | 1,185,000 |
| Net interest income | 1,607,000 | 3,291,000 | 5,042,000 | 6,781,000 |
| Noninterest income | 314,000 | 676,000 | 1,009,000 | 1,322,000 |
| Noninterest expense | 1,334,000 | 2,605,000 | 3,904,000 | 5,150,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 581,000 | 1,350,000 | 2,129,000 | 2,929,000 |
| Income tax | 177,000 | 420,000 | 660,000 | 910,000 |
| Net income | 404,000 | 930,000 | 1,469,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,477,000 | 15,852,000 | 16,267,000 | 16,320,000 |
| Total capital | 16,721,000 | 17,152,000 | 17,504,000 | 17,605,000 |
| Risk-weighted assets | 99,294,000 | 103,778,000 | 103,169,000 | 101,883,000 |
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