Call reports 2005
BANK OF LABOR — 2005
What BANK OF LABOR 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 | 445,381,000 | 448,220,000 | 456,322,000 | 464,575,000 |
| Total loans | 143,840,000 | 136,810,000 | 162,700,000 | 185,079,000 |
| Allowance for loan losses | 4,616,000 | 3,820,000 | 3,776,000 | 3,839,000 |
| Securities available for sale | 280,451,000 | 287,252,000 | 270,841,000 | 253,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,826,000 | 356,394,000 | 367,758,000 | 361,654,000 |
| Interest-bearing deposits | 298,035,000 | 305,882,000 | 349,601,000 | 336,214,000 |
| Noninterest-bearing deposits | 48,791,000 | 50,512,000 | 18,157,000 | 25,440,000 |
| Equity capital | 42,952,000 | 46,446,000 | 45,357,000 | 45,146,000 |
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 | 5,072,000 | 10,305,000 | 15,605,000 | 21,212,000 |
| Interest expense | 1,718,000 | 3,593,000 | 5,666,000 | 7,984,000 |
| Net interest income | 3,354,000 | 6,712,000 | 9,939,000 | 13,228,000 |
| Noninterest income | 1,345,000 | 2,759,000 | 4,334,000 | 6,017,000 |
| Noninterest expense | 3,498,000 | 7,182,000 | 10,863,000 | 14,743,000 |
| Provision for loan losses | 0 | -650,000 | -650,000 | -500,000 |
| Pretax income | 1,162,000 | 2,840,000 | 3,956,000 | 4,577,000 |
| Income tax | 226,000 | 641,000 | 882,000 | 854,000 |
| Net income | 936,000 | 2,199,000 | 3,074,000 | 3,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,259,000 | 41,406,000 | 42,184,000 | 42,638,000 |
| Total capital | 42,774,000 | 43,862,000 | 44,953,000 | 45,693,000 |
| Risk-weighted assets | 199,071,000 | 195,096,000 | 220,538,000 | 243,621,000 |
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