Call reports 2005
PARAGON BANK — 2005
What PARAGON 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 | 34,680,000 | 32,965,000 | 31,928,000 | 33,238,000 |
| Total loans | 27,817,000 | 27,919,000 | 27,386,000 | 25,317,000 |
| Allowance for loan losses | 462,000 | 509,000 | 500,000 | 463,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,600,000 | 29,945,000 | 28,862,000 | 29,931,000 |
| Interest-bearing deposits | 27,061,000 | 26,098,000 | 24,522,000 | 25,582,000 |
| Noninterest-bearing deposits | 4,539,000 | 3,847,000 | 4,340,000 | 4,349,000 |
| Equity capital | 2,988,000 | 2,906,000 | 2,944,000 | 2,932,000 |
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 | 593,000 | 1,146,000 | 1,679,000 | 2,209,000 |
| Interest expense | 111,000 | 228,000 | 349,000 | 486,000 |
| Net interest income | 482,000 | 918,000 | 1,330,000 | 1,723,000 |
| Noninterest income | 44,000 | 101,000 | 123,000 | 99,000 |
| Noninterest expense | 465,000 | 951,000 | 1,340,000 | 1,812,000 |
| Provision for loan losses | 127,000 | 209,000 | 216,000 | 276,000 |
| Pretax income | -66,000 | -141,000 | -103,000 | -266,000 |
| Income tax | 0 | 0 | 0 | -151,000 |
| Net income | -66,000 | -141,000 | -103,000 | -115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,988,000 | 2,906,000 | 2,944,000 | 2,932,000 |
| Total capital | 3,337,000 | 3,244,000 | 3,282,000 | 3,261,000 |
| Risk-weighted assets | 27,768,000 | 27,029,000 | 27,029,000 | 26,183,000 |
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