Call reports 2005
FREEDOM FINANCIAL BANK — 2005
What FREEDOM FINANCIAL 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 | 97,774,000 | 113,043,000 | 113,051,000 | 120,147,000 |
| Total loans | 87,570,000 | 94,469,000 | 99,605,000 | 103,835,000 |
| Allowance for loan losses | 796,000 | 841,000 | 886,000 | 931,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,134,000 | 94,386,000 | 93,061,000 | 100,480,000 |
| Interest-bearing deposits | 68,723,000 | 86,376,000 | 84,874,000 | 90,043,000 |
| Noninterest-bearing deposits | 8,411,000 | 8,010,000 | 8,187,000 | 10,437,000 |
| Equity capital | 9,426,000 | 9,621,000 | 9,956,000 | 10,183,000 |
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 | 1,415,000 | 2,960,000 | 4,760,000 | 6,817,000 |
| Interest expense | 559,000 | 1,183,000 | 1,974,000 | 2,812,000 |
| Net interest income | 856,000 | 1,777,000 | 2,786,000 | 4,005,000 |
| Noninterest income | 20,000 | 36,000 | 66,000 | 84,000 |
| Noninterest expense | 401,000 | 803,000 | 1,212,000 | 1,629,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 430,000 | 920,000 | 1,505,000 | 2,280,000 |
| Income tax | 22,000 | 46,000 | 76,000 | 114,000 |
| Net income | 408,000 | 874,000 | 1,429,000 | 2,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,426,000 | 9,621,000 | 9,956,000 | 10,183,000 |
| Total capital | 10,222,000 | 10,462,000 | 10,843,000 | 11,115,000 |
| Risk-weighted assets | 99,692,000 | 108,187,000 | 111,641,000 | 115,585,000 |
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