Call reports 2005
CENTRAL BANK — 2005
What CENTRAL 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 | 311,157,000 | 337,180,000 | 344,316,000 | 363,551,000 |
| Total loans | 269,756,000 | 292,582,000 | 304,895,000 | 314,820,000 |
| Allowance for loan losses | 3,683,000 | 3,761,000 | 3,816,000 | 3,912,000 |
| Securities available for sale | 17,150,000 | 16,888,000 | 16,257,000 | 19,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,305,000 | 254,836,000 | 278,142,000 | 274,968,000 |
| Interest-bearing deposits | 174,063,000 | 178,266,000 | 199,547,000 | 194,816,000 |
| Noninterest-bearing deposits | 72,242,000 | 76,570,000 | 78,595,000 | 80,152,000 |
| Equity capital | 26,212,000 | 27,196,000 | 28,497,000 | 29,142,000 |
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 | 4,538,000 | 9,597,000 | 15,240,000 | 21,286,000 |
| Interest expense | 1,075,000 | 2,425,000 | 4,131,000 | 6,089,000 |
| Net interest income | 3,463,000 | 7,172,000 | 11,109,000 | 15,197,000 |
| Noninterest income | 913,000 | 1,866,000 | 2,997,000 | 3,902,000 |
| Noninterest expense | 2,441,000 | 4,981,000 | 7,710,000 | 10,356,000 |
| Provision for loan losses | 150,000 | 300,000 | 570,000 | 1,200,000 |
| Pretax income | 1,785,000 | 3,757,000 | 5,826,000 | 7,543,000 |
| Income tax | 0 | 3,000 | 4,000 | 5,000 |
| Net income | 1,785,000 | 3,754,000 | 5,822,000 | 7,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,271,000 | 27,197,000 | 28,541,000 | 29,258,000 |
| Total capital | 29,812,000 | 30,958,000 | 32,357,000 | 33,170,000 |
| Risk-weighted assets | 283,137,000 | 304,982,000 | 315,613,000 | 326,947,000 |
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