Call reports 2005
DESJARDINS BANK, NATIONAL ASSOCIATION — 2005
What DESJARDINS BANK, NATIONAL ASSOCIATION 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 | 138,365,000 | 148,113,000 | 146,951,000 | 150,999,000 |
| Total loans | 116,033,000 | 120,172,000 | 127,750,000 | 128,270,000 |
| Allowance for loan losses | 524,000 | 565,000 | 605,000 | 646,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,206,000 | 11,373,000 | 10,494,000 | 11,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,758,000 | 131,127,000 | 129,014,000 | 132,876,000 |
| Interest-bearing deposits | 86,806,000 | 92,273,000 | 95,957,000 | 94,454,000 |
| Noninterest-bearing deposits | 34,952,000 | 38,854,000 | 33,057,000 | 38,422,000 |
| Equity capital | 16,042,000 | 16,390,000 | 16,760,000 | 17,018,000 |
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 | 1,595,000 | 3,353,000 | 5,200,000 | 7,151,000 |
| Interest expense | 470,000 | 1,119,000 | 1,851,000 | 2,666,000 |
| Net interest income | 1,125,000 | 2,234,000 | 3,349,000 | 4,485,000 |
| Noninterest income | 206,000 | 319,000 | 454,000 | 633,000 |
| Noninterest expense | 655,000 | 1,301,000 | 1,942,000 | 2,648,000 |
| Provision for loan losses | 41,000 | 82,000 | 122,000 | 163,000 |
| Pretax income | 635,000 | 1,170,000 | 1,739,000 | 2,307,000 |
| Income tax | 216,000 | 403,000 | 602,000 | 835,000 |
| Net income | 419,000 | 767,000 | 1,137,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,042,000 | 16,390,000 | 16,760,000 | 17,018,000 |
| Total capital | 16,566,000 | 16,955,000 | 17,365,000 | 17,664,000 |
| Risk-weighted assets | 77,709,000 | 78,424,000 | 81,646,000 | 84,527,000 |
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