Call reports 2005
FRIEND BANK — 2005
What FRIEND 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 | 51,492,000 | 53,279,000 | 53,263,000 | 51,021,000 |
| Total loans | 21,403,000 | 24,469,000 | 26,215,000 | 25,953,000 |
| Allowance for loan losses | 192,000 | 246,000 | 279,000 | 272,000 |
| Securities available for sale | 27,471,000 | 25,869,000 | 22,631,000 | 21,400,000 |
| Securities held to maturity | 590,000 | 295,000 | 295,000 | 245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,746,000 | 39,438,000 | 38,515,000 | 37,908,000 |
| Interest-bearing deposits | 30,956,000 | 32,382,000 | 32,324,000 | 32,205,000 |
| Noninterest-bearing deposits | 5,790,000 | 7,056,000 | 6,191,000 | 5,703,000 |
| Equity capital | 5,004,000 | 4,610,000 | 4,550,000 | 4,478,000 |
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 | 615,000 | 1,281,000 | 1,990,000 | 2,723,000 |
| Interest expense | 210,000 | 451,000 | 738,000 | 1,039,000 |
| Net interest income | 405,000 | 830,000 | 1,252,000 | 1,684,000 |
| Noninterest income | 62,000 | 115,000 | 183,000 | 264,000 |
| Noninterest expense | 318,000 | 639,000 | 965,000 | 1,296,000 |
| Provision for loan losses | 0 | 53,000 | 107,000 | 107,000 |
| Pretax income | 164,000 | 268,000 | 378,000 | 560,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 27,000 |
| Net income | 156,000 | 252,000 | 355,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,254,000 | 4,644,000 | 4,702,000 | 4,847,000 |
| Total capital | 5,446,000 | 4,890,000 | 4,981,000 | 5,119,000 |
| Risk-weighted assets | 25,076,000 | 26,912,000 | 29,498,000 | 28,781,000 |
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