Call reports 2005
PARK CITIES BANK — 2005
What PARK CITIES 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 | 287,001,000 | 330,902,000 | 352,086,000 | 389,226,000 |
| Total loans | 243,867,000 | 285,232,000 | 299,049,000 | 368,533,000 |
| Allowance for loan losses | 2,198,000 | 2,522,000 | 2,691,000 | 3,317,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,001,000 | 5,002,000 | 5,001,000 | 5,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,145,000 | 284,627,000 | 316,380,000 | 348,862,000 |
| Interest-bearing deposits | 229,474,000 | 252,403,000 | 274,403,000 | 310,297,000 |
| Noninterest-bearing deposits | 32,671,000 | 32,224,000 | 41,978,000 | 38,565,000 |
| Equity capital | 24,223,000 | 33,232,000 | 34,443,000 | 36,133,000 |
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 | 4,027,000 | 8,825,000 | 14,601,000 | 22,187,000 |
| Interest expense | 1,260,000 | 2,981,000 | 5,164,000 | 7,910,000 |
| Net interest income | 2,767,000 | 5,844,000 | 9,437,000 | 14,277,000 |
| Noninterest income | 98,000 | 186,000 | 306,000 | 372,000 |
| Noninterest expense | 1,200,000 | 2,477,000 | 4,021,000 | 5,702,000 |
| Provision for loan losses | 306,000 | 655,000 | 986,000 | 1,651,000 |
| Pretax income | 1,359,000 | 2,898,000 | 4,736,000 | 7,296,000 |
| Income tax | 462,000 | 992,000 | 1,619,000 | 2,489,000 |
| Net income | 897,000 | 1,906,000 | 3,117,000 | 4,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,527,000 | 32,543,000 | 33,762,000 | 35,459,000 |
| Total capital | 25,725,000 | 35,065,000 | 36,453,000 | 38,776,000 |
| Risk-weighted assets | 238,654,000 | 282,925,000 | 293,953,000 | 353,796,000 |
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