Call reports 2005
BANK OF EUFAULA — 2005
What BANK OF EUFAULA 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 | 73,631,000 | 74,359,000 | 78,625,000 | 78,542,000 |
| Total loans | 14,408,000 | 16,005,000 | 16,236,000 | 16,293,000 |
| Allowance for loan losses | 202,000 | 186,000 | 179,000 | 184,000 |
| Securities available for sale | 46,022,000 | 44,565,000 | 46,667,000 | 48,299,000 |
| Securities held to maturity | 1,335,000 | 2,660,000 | 2,442,000 | 2,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,251,000 | 61,400,000 | 65,661,000 | 66,131,000 |
| Interest-bearing deposits | 46,991,000 | 46,561,000 | 47,752,000 | 50,090,000 |
| Noninterest-bearing deposits | 14,260,000 | 14,839,000 | 17,909,000 | 16,041,000 |
| Equity capital | 11,016,000 | 11,521,000 | 11,431,000 | 11,001,000 |
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 | 676,000 | 1,390,000 | 2,158,000 | 2,956,000 |
| Interest expense | 143,000 | 314,000 | 540,000 | 798,000 |
| Net interest income | 533,000 | 1,076,000 | 1,618,000 | 2,158,000 |
| Noninterest income | 114,000 | 226,000 | 348,000 | 454,000 |
| Noninterest expense | 433,000 | 826,000 | 1,271,000 | 2,378,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 214,000 | 476,000 | 695,000 | 219,000 |
| Income tax | 63,000 | 131,000 | 193,000 | 18,000 |
| Net income | 151,000 | 345,000 | 502,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,583,000 | 11,777,000 | 11,934,000 | 11,633,000 |
| Total capital | 11,785,000 | 11,963,000 | 12,113,000 | 11,817,000 |
| Risk-weighted assets | 28,420,000 | 29,851,000 | 31,007,000 | 31,075,000 |
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