Call reports 2005
NATIONAL BANK OF DELAWARE COUNTY, WALTON — 2005
What NATIONAL BANK OF DELAWARE COUNTY, WALTON 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 | 157,615,000 | 160,007,000 | 166,071,000 | 153,989,000 |
| Total loans | 64,072,000 | 64,683,000 | 66,219,000 | 66,141,000 |
| Allowance for loan losses | 914,000 | 943,000 | 951,000 | 1,067,000 |
| Securities available for sale | 69,535,000 | 70,871,000 | 67,813,000 | 67,277,000 |
| Securities held to maturity | 6,860,000 | 6,617,000 | 6,654,000 | 6,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,594,000 | 135,957,000 | 142,565,000 | 130,235,000 |
| Interest-bearing deposits | 117,041,000 | 116,823,000 | 121,689,000 | 112,765,000 |
| Noninterest-bearing deposits | 17,553,000 | 19,134,000 | 20,876,000 | 17,470,000 |
| Equity capital | 21,737,000 | 21,937,000 | 22,006,000 | 21,609,000 |
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 | 1,924,000 | 3,890,000 | 5,910,000 | 7,970,000 |
| Interest expense | 373,000 | 770,000 | 1,189,000 | 1,693,000 |
| Net interest income | 1,551,000 | 3,120,000 | 4,721,000 | 6,277,000 |
| Noninterest income | 172,000 | 309,000 | 448,000 | 607,000 |
| Noninterest expense | 1,043,000 | 2,108,000 | 3,147,000 | 4,192,000 |
| Provision for loan losses | 15,000 | 20,000 | 35,000 | 165,000 |
| Pretax income | 661,000 | 1,304,000 | 1,966,000 | 2,437,000 |
| Income tax | 177,000 | 357,000 | 553,000 | 584,000 |
| Net income | 484,000 | 947,000 | 1,413,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,643,000 | 21,461,000 | 21,930,000 | 21,636,000 |
| Total capital | 22,557,000 | 22,404,000 | 22,881,000 | 22,664,000 |
| Risk-weighted assets | 80,639,000 | 81,624,000 | 84,146,000 | 82,174,000 |
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