Call reports 2005
TRANSACT BANK, NATIONAL ASSOCIATION — 2005
What TRANSACT BANK, NATIONAL ASSOCIATION 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 | 44,092,000 | 43,762,000 | 47,838,000 | 47,442,000 |
| Total loans | 25,088,000 | 26,966,000 | 27,599,000 | 27,305,000 |
| Allowance for loan losses | 278,000 | 268,000 | 274,000 | 269,000 |
| Securities available for sale | 989,000 | 0 | 625,000 | 0 |
| Securities held to maturity | 1,698,000 | 2,687,000 | 2,563,000 | 4,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,648,000 | 35,277,000 | 39,187,000 | 38,687,000 |
| Interest-bearing deposits | 24,780,000 | 24,141,000 | 26,301,000 | 26,379,000 |
| Noninterest-bearing deposits | 10,868,000 | 11,136,000 | 12,886,000 | 12,308,000 |
| Equity capital | 7,058,000 | 7,164,000 | 7,307,000 | 7,468,000 |
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 | 505,000 | 1,032,000 | 1,625,000 | 2,249,000 |
| Interest expense | 24,000 | 55,000 | 104,000 | 158,000 |
| Net interest income | 481,000 | 977,000 | 1,521,000 | 2,091,000 |
| Noninterest income | 198,000 | 329,000 | 463,000 | 576,000 |
| Noninterest expense | 362,000 | 803,000 | 1,248,000 | 1,715,000 |
| Provision for loan losses | 30,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 287,000 | 473,000 | 696,000 | 912,000 |
| Income tax | 79,000 | 159,000 | 239,000 | 294,000 |
| Net income | 208,000 | 314,000 | 457,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,502,000 | 3,673,000 | 3,881,000 | 4,107,000 |
| Total capital | 3,780,000 | 3,941,000 | 4,155,000 | 4,376,000 |
| Risk-weighted assets | 29,071,000 | 31,345,000 | 33,266,000 | 33,530,000 |
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