Call reports 2005
ALL CAPITAL BANK — 2005
What ALL CAPITAL 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 | 28,669,000 | 28,159,000 | 27,576,000 | 27,501,000 |
| Total loans | 16,500,000 | 17,220,000 | 16,938,000 | 16,003,000 |
| Allowance for loan losses | 371,000 | 361,000 | 319,000 | 324,000 |
| Securities available for sale | 1,412,000 | 853,000 | 674,000 | 452,000 |
| Securities held to maturity | 2,253,000 | 3,181,000 | 3,181,000 | 2,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,875,000 | 24,215,000 | 23,472,000 | 23,293,000 |
| Interest-bearing deposits | 19,259,000 | 18,288,000 | 17,736,000 | 17,512,000 |
| Noninterest-bearing deposits | 5,616,000 | 5,927,000 | 5,736,000 | 5,781,000 |
| Equity capital | 3,529,000 | 3,691,000 | 3,860,000 | 3,025,000 |
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 | 455,000 | 944,000 | 1,453,000 | 1,955,000 |
| Interest expense | 63,000 | 133,000 | 207,000 | 286,000 |
| Net interest income | 392,000 | 811,000 | 1,246,000 | 1,669,000 |
| Noninterest income | 97,000 | 202,000 | 310,000 | 419,000 |
| Noninterest expense | 276,000 | 554,000 | 832,000 | 1,112,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 459,000 | 724,000 | 976,000 |
| Income tax | 75,000 | 160,000 | 257,000 | 346,000 |
| Net income | 138,000 | 299,000 | 467,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,412,000 | 3,574,000 | 3,745,000 | 2,909,000 |
| Total capital | 3,636,000 | 3,787,000 | 3,996,000 | 3,138,000 |
| Risk-weighted assets | 17,753,000 | 16,931,000 | 20,044,000 | 18,358,000 |
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