Call reports 2005
TWIN OAKS SAVINGS BANK — 2005
What TWIN OAKS SAVINGS 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 | 51,975,000 | 55,307,000 | 56,497,000 | 57,345,000 |
| Total loans | 27,669,000 | 31,197,000 | 33,038,000 | 35,816,000 |
| Allowance for loan losses | 109,000 | 112,000 | 113,000 | 113,000 |
| Securities available for sale | 16,618,000 | 16,148,000 | 15,595,000 | 14,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,548,000 | 42,180,000 | 42,001,000 | 42,048,000 |
| Interest-bearing deposits | 38,308,000 | 38,886,000 | 39,139,000 | 38,290,000 |
| Noninterest-bearing deposits | 3,240,000 | 3,294,000 | 2,862,000 | 3,758,000 |
| Equity capital | 4,578,000 | 4,729,000 | 4,762,000 | 4,741,000 |
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 | 612,000 | 1,332,000 | 2,027,000 | 2,747,000 |
| Interest expense | 251,000 | 529,000 | 839,000 | 1,178,000 |
| Net interest income | 361,000 | 803,000 | 1,188,000 | 1,569,000 |
| Noninterest income | 66,000 | 128,000 | 177,000 | 241,000 |
| Noninterest expense | 356,000 | 699,000 | 1,061,000 | 1,437,000 |
| Provision for loan losses | 0 | 3,000 | 4,000 | 6,000 |
| Pretax income | 71,000 | 230,000 | 301,000 | 368,000 |
| Income tax | 0 | 51,000 | 68,000 | 83,000 |
| Net income | 71,000 | 179,000 | 233,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 4,826,000 | 4,977,000 | 4,943,000 |
| Total capital | 4,827,000 | 4,938,000 | 5,090,000 | 5,056,000 |
| Risk-weighted assets | 29,188,000 | 30,930,000 | 29,973,000 | 34,414,000 |
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