Call reports 2005
RANDOLPH NATIONAL BANK — 2005
What RANDOLPH NATIONAL 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 | 128,642,000 | 134,591,000 | 141,936,000 | 135,536,000 |
| Total loans | 106,169,000 | 107,157,000 | 108,632,000 | 109,677,000 |
| Allowance for loan losses | 1,236,000 | 1,276,000 | 1,313,000 | 1,340,000 |
| Securities available for sale | 11,776,000 | 10,347,000 | 10,330,000 | 6,808,000 |
| Securities held to maturity | 2,913,000 | 3,822,000 | 3,609,000 | 3,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,698,000 | 109,219,000 | 115,506,000 | 108,675,000 |
| Interest-bearing deposits | 89,060,000 | 87,025,000 | 91,125,000 | 85,036,000 |
| Noninterest-bearing deposits | 16,638,000 | 22,194,000 | 24,381,000 | 23,639,000 |
| Equity capital | 11,531,000 | 11,764,000 | 12,027,000 | 12,224,000 |
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 | 1,808,000 | 3,676,000 | 5,672,000 | 7,753,000 |
| Interest expense | 304,000 | 620,000 | 993,000 | 1,378,000 |
| Net interest income | 1,504,000 | 3,056,000 | 4,679,000 | 6,375,000 |
| Noninterest income | 132,000 | 277,000 | 524,000 | 666,000 |
| Noninterest expense | 1,199,000 | 2,452,000 | 3,753,000 | 5,144,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 399,000 | 798,000 | 1,329,000 | 1,731,000 |
| Income tax | 127,000 | 251,000 | 425,000 | 532,000 |
| Net income | 272,000 | 547,000 | 904,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,655,000 | 11,853,000 | 12,132,000 | 12,351,000 |
| Total capital | 12,804,000 | 13,006,000 | 13,306,000 | 13,533,000 |
| Risk-weighted assets | 91,250,000 | 92,083,000 | 93,820,000 | 94,419,000 |
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