Call reports 2005
BANK OF BEAVER CITY, THE — 2005
What BANK OF BEAVER CITY, THE 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 | 63,472,000 | 64,258,000 | 66,066,000 | 69,138,000 |
| Total loans | 42,240,000 | 43,885,000 | 44,950,000 | 47,240,000 |
| Allowance for loan losses | 452,000 | 484,000 | 512,000 | 544,000 |
| Securities available for sale | 15,831,000 | 15,743,000 | 15,871,000 | 16,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,415,000 | 52,881,000 | 54,689,000 | 56,377,000 |
| Interest-bearing deposits | 46,734,000 | 45,316,000 | 46,689,000 | 48,312,000 |
| Noninterest-bearing deposits | 8,681,000 | 7,565,000 | 8,000,000 | 8,065,000 |
| Equity capital | 3,964,000 | 4,288,000 | 4,218,000 | 4,203,000 |
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 | 867,000 | 1,759,000 | 2,737,000 | 3,801,000 |
| Interest expense | 228,000 | 467,000 | 771,000 | 1,131,000 |
| Net interest income | 639,000 | 1,292,000 | 1,966,000 | 2,670,000 |
| Noninterest income | 85,000 | 167,000 | 243,000 | 320,000 |
| Noninterest expense | 488,000 | 975,000 | 1,497,000 | 2,056,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 200,000 | 418,000 | 617,000 | 809,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 418,000 | 617,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,362,000 | 4,524,000 | 4,532,000 | 4,666,000 |
| Total capital | 4,814,000 | 5,008,000 | 5,044,000 | 5,210,000 |
| Risk-weighted assets | 46,496,000 | 47,974,000 | 49,489,000 | 51,595,000 |
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