Call reports 2005
FREEDOM BANK — 2005
What FREEDOM 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 | 178,893,000 | 183,091,000 | 182,566,000 | 195,779,000 |
| Total loans | 165,159,000 | 170,590,000 | 176,241,000 | 181,131,000 |
| Allowance for loan losses | 2,007,000 | 2,111,000 | 2,194,000 | 2,280,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,618,000 | 155,914,000 | 155,942,000 | 169,646,000 |
| Interest-bearing deposits | 132,339,000 | 137,531,000 | 138,428,000 | 147,741,000 |
| Noninterest-bearing deposits | 21,279,000 | 18,383,000 | 17,514,000 | 21,905,000 |
| Equity capital | 14,481,000 | 14,902,000 | 15,374,000 | 15,808,000 |
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 | 2,417,000 | 4,993,000 | 7,744,000 | 10,618,000 |
| Interest expense | 1,046,000 | 2,167,000 | 3,373,000 | 4,727,000 |
| Net interest income | 1,371,000 | 2,826,000 | 4,371,000 | 5,891,000 |
| Noninterest income | 242,000 | 499,000 | 818,000 | 1,100,000 |
| Noninterest expense | 838,000 | 1,662,000 | 2,548,000 | 3,441,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 670,000 | 1,453,000 | 2,326,000 | 3,130,000 |
| Income tax | 289,000 | 601,000 | 947,000 | 1,271,000 |
| Net income | 381,000 | 852,000 | 1,379,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,481,000 | 14,902,000 | 15,374,000 | 15,808,000 |
| Total capital | 16,240,000 | 16,723,000 | 17,234,000 | 17,736,000 |
| Risk-weighted assets | 140,748,000 | 145,402,000 | 148,470,000 | 153,914,000 |
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