Call reports 2005
LEAD BANK — 2005
What LEAD 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 | 72,098,000 | 72,576,000 | 74,308,000 | 74,064,000 |
| Total loans | 56,164,000 | 55,544,000 | 53,456,000 | 56,199,000 |
| Allowance for loan losses | 652,000 | 688,000 | 703,000 | 613,000 |
| Securities available for sale | 7,344,000 | 7,394,000 | 7,376,000 | 7,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,861,000 | 59,308,000 | 60,902,000 | 60,440,000 |
| Interest-bearing deposits | 54,731,000 | 55,013,000 | 56,533,000 | 55,695,000 |
| Noninterest-bearing deposits | 4,129,000 | 4,295,000 | 4,370,000 | 4,745,000 |
| Equity capital | 8,108,000 | 8,273,000 | 8,401,000 | 8,537,000 |
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 | 1,243,000 | 2,530,000 | 3,840,000 | 5,200,000 |
| Interest expense | 452,000 | 943,000 | 1,465,000 | 2,021,000 |
| Net interest income | 791,000 | 1,587,000 | 2,375,000 | 3,179,000 |
| Noninterest income | 81,000 | 155,000 | 244,000 | 313,000 |
| Noninterest expense | 450,000 | 944,000 | 1,476,000 | 2,059,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 150,000 |
| Pretax income | 377,000 | 708,000 | 1,038,000 | 1,283,000 |
| Income tax | 137,000 | 260,000 | 375,000 | 463,000 |
| Net income | 240,000 | 448,000 | 663,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,880,000 | 6,011,000 | 6,150,000 | 6,305,000 |
| Total capital | 6,532,000 | 6,654,000 | 6,786,000 | 6,918,000 |
| Risk-weighted assets | 51,691,000 | 51,368,000 | 50,040,000 | 52,262,000 |
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