Call reports 2005
LOCAL BANK — 2005
What LOCAL 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 | 87,651,000 | 89,522,000 | 91,695,000 | 92,273,000 |
| Total loans | 59,271,000 | 60,691,000 | 60,815,000 | 61,892,000 |
| Allowance for loan losses | 595,000 | 598,000 | 569,000 | 428,000 |
| Securities available for sale | 18,900,000 | 20,426,000 | 21,322,000 | 21,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,384,000 | 79,945,000 | 80,481,000 | 80,220,000 |
| Interest-bearing deposits | 68,503,000 | 68,619,000 | 68,744,000 | 68,213,000 |
| Noninterest-bearing deposits | 9,881,000 | 11,326,000 | 11,737,000 | 12,007,000 |
| Equity capital | 5,855,000 | 6,099,000 | 6,042,000 | 5,835,000 |
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 | 1,362,000 | 2,796,000 | 4,281,000 | 5,863,000 |
| Interest expense | 405,000 | 847,000 | 1,347,000 | 1,918,000 |
| Net interest income | 957,000 | 1,949,000 | 2,934,000 | 3,945,000 |
| Noninterest income | 128,000 | 338,000 | 474,000 | 665,000 |
| Noninterest expense | 800,000 | 1,650,000 | 2,530,000 | 3,434,000 |
| Provision for loan losses | 41,000 | 78,000 | 100,000 | 152,000 |
| Pretax income | 244,000 | 557,000 | 776,000 | 1,022,000 |
| Income tax | 45,000 | 129,000 | 178,000 | 375,000 |
| Net income | 199,000 | 428,000 | 598,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,006,000 | 6,105,000 | 6,110,000 | 6,059,000 |
| Total capital | 6,601,000 | 6,703,000 | 6,679,000 | 6,487,000 |
| Risk-weighted assets | 56,439,000 | 57,807,000 | 58,590,000 | 54,637,000 |