Call reports 2005
LITCHFIELD BANCORP — 2005
What LITCHFIELD BANCORP 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 | 178,344,000 | 177,846,000 | 183,059,000 | 189,195,000 |
| Total loans | 101,574,000 | 103,269,000 | 105,458,000 | 106,547,000 |
| Allowance for loan losses | 770,000 | 779,000 | 771,000 | 797,000 |
| Securities available for sale | 29,504,000 | 27,543,000 | 25,877,000 | 32,263,000 |
| Securities held to maturity | 35,825,000 | 33,976,000 | 38,129,000 | 36,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,734,000 | 139,059,000 | 140,644,000 | 143,708,000 |
| Interest-bearing deposits | 119,127,000 | 123,682,000 | 124,142,000 | 127,933,000 |
| Noninterest-bearing deposits | 14,607,000 | 15,377,000 | 16,501,000 | 15,775,000 |
| Equity capital | 12,787,000 | 13,150,000 | 13,186,000 | 13,361,000 |
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 | 2,114,000 | 4,331,000 | 6,563,000 | 8,963,000 |
| Interest expense | 636,000 | 1,349,000 | 2,121,000 | 3,035,000 |
| Net interest income | 1,478,000 | 2,982,000 | 4,442,000 | 5,928,000 |
| Noninterest income | 178,000 | 407,000 | 645,000 | 903,000 |
| Noninterest expense | 1,380,000 | 2,784,000 | 4,184,000 | 5,537,000 |
| Provision for loan losses | 0 | 2,000 | 7,000 | 15,000 |
| Pretax income | 276,000 | 626,000 | 921,000 | 1,304,000 |
| Income tax | 86,000 | 198,000 | 279,000 | 403,000 |
| Net income | 190,000 | 428,000 | 642,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,018,000 | 13,248,000 | 13,469,000 | 13,726,000 |
| Total capital | 13,915,000 | 14,144,000 | 14,365,000 | 14,663,000 |
| Risk-weighted assets | 95,532,000 | 95,844,000 | 97,147,000 | 99,444,000 |
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