Call reports 2005
GREAT OAKS BANK — 2005
What GREAT OAKS 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 | 147,961,000 | 152,822,000 | 148,002,000 | 149,767,000 |
| Total loans | 96,930,000 | 100,569,000 | 103,217,000 | 100,285,000 |
| Allowance for loan losses | 1,454,000 | 1,507,000 | 1,550,000 | 1,572,000 |
| Securities available for sale | 41,678,000 | 36,892,000 | 33,997,000 | 35,655,000 |
| Securities held to maturity | 11,000 | 11,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,934,000 | 128,353,000 | 123,160,000 | 125,654,000 |
| Interest-bearing deposits | 108,130,000 | 113,035,000 | 109,028,000 | 110,638,000 |
| Noninterest-bearing deposits | 15,804,000 | 15,318,000 | 14,132,000 | 15,016,000 |
| Equity capital | 11,051,000 | 11,462,000 | 11,437,000 | 11,254,000 |
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 | 2,213,000 | 4,588,000 | 6,984,000 | 9,481,000 |
| Interest expense | 703,000 | 1,526,000 | 2,423,000 | 3,411,000 |
| Net interest income | 1,510,000 | 3,062,000 | 4,561,000 | 6,070,000 |
| Noninterest income | 228,000 | 576,000 | 791,000 | 1,026,000 |
| Noninterest expense | 853,000 | 1,739,000 | 2,960,000 | 4,130,000 |
| Provision for loan losses | 41,000 | 199,000 | 331,000 | 415,000 |
| Pretax income | 868,000 | 1,695,000 | 2,060,000 | 2,550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 868,000 | 1,695,000 | 2,060,000 | 2,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,181,000 | 11,607,000 | 11,572,000 | 11,612,000 |
| Total capital | 12,389,000 | 12,852,000 | 12,823,000 | 12,823,000 |
| Risk-weighted assets | 96,392,000 | 99,303,000 | 99,798,000 | 96,546,000 |
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