Call reports 2005
ALGONQUIN STATE BANK — 2005
What ALGONQUIN STATE 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 | 135,741,000 | 138,860,000 | 135,178,000 | 133,818,000 |
| Total loans | 60,577,000 | 64,443,000 | 63,174,000 | 62,511,000 |
| Allowance for loan losses | 831,000 | 832,000 | 831,000 | 832,000 |
| Securities available for sale | 52,203,000 | 53,077,000 | 52,069,000 | 50,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,576,000 | 121,108,000 | 116,737,000 | 116,133,000 |
| Interest-bearing deposits | 96,338,000 | 100,457,000 | 95,641,000 | 94,044,000 |
| Noninterest-bearing deposits | 21,238,000 | 20,651,000 | 21,096,000 | 22,089,000 |
| Equity capital | 16,620,000 | 17,032,000 | 16,976,000 | 17,161,000 |
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 | 1,438,000 | 2,921,000 | 4,449,000 | 5,975,000 |
| Interest expense | 350,000 | 705,000 | 1,093,000 | 1,504,000 |
| Net interest income | 1,088,000 | 2,216,000 | 3,356,000 | 4,471,000 |
| Noninterest income | 145,000 | 300,000 | 449,000 | 589,000 |
| Noninterest expense | 1,037,000 | 2,093,000 | 3,147,000 | 3,907,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 424,000 | 659,000 | 1,154,000 |
| Income tax | 18,000 | 36,000 | 52,000 | 68,000 |
| Net income | 179,000 | 388,000 | 607,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,717,000 | 16,887,000 | 17,031,000 | 17,510,000 |
| Total capital | 17,452,000 | 17,674,000 | 17,801,000 | 18,280,000 |
| Risk-weighted assets | 58,715,000 | 62,924,000 | 61,521,000 | 61,562,000 |
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